PackageTrendsPeer
Letter portraitLegal landscape

Osceola Community

Reed City, MI · Charter 61975

Q2 2000

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2000, the quarter ended June 30, 2000, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Osceola Community

Reed City, MI · Charter 61975

Q2 2000

$108KAssets
$58KLoans
$83KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 0.31%, down 266 bps year over year; NIM at 6.46%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 70.02% of shares as of Q2 2000.

Return on Assets (YTD, annualized)

0.31%-266 bps YoY

Net Interest Margin (YTD, annualized)

6.46%

Efficiency Ratio (YTD, annualized)

95.31%

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ4 1996Q2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000YoY ΔTrend
Earnings
Return on Assets3.35%3.95%3.77%2.97%3.53%3.12%0.76%0.31%-266 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/a6.62%6.46%n/a
Efficiency Ration/an/an/an/an/an/a89.02%95.31%n/a
Growth
Asset Growth (YoY)-3.43%-6.41%-1.19%-8.07%-0.28%11.72%20.86%9.95%+1,802 bps
Loan Growth (YoY)-9.93%-29.30%-12.61%6.12%-8.45%20.02%-4.25%-16.82%-2,294 bps
Share Growth (YoY)-5.19%-10.19%-1.97%-12.12%-3.77%11.71%24.36%10.63%+2,274 bps
Asset Quality
Delinquent Loans / Loans0.16%0.00%0.86%0.00%1.62%1.24%2.39%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.78%1.19%2.06%1.93%2.21%2.05%2.26%2.31%+39 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares85.72%77.44%86.70%93.12%81.55%83.20%66.75%70.02%-2,310 bps
Liquid Assets / Assets8.62%9.50%19.26%10.65%15.28%7.75%0.00%9.28%-137 bps