Oak Park, MI · Charter 62395
Q2 2000
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Oak Park, MI · Charter 62395
Q2 2000
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.79% | 4.95% | 2.86% | 0.65% | 0.48% | -331 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 5.39% | 4.12% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 88.11% | 88.42% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -19.54% | -17.75% | 18.66% | 22.07% | 37.05% | +5,658 bps | |
| Loan Growth (YoY) | 17.24% | 29.19% | 7.53% | -12.37% | -20.95% | -3,818 bps | |
| Share Growth (YoY) | -26.07% | -24.42% | 17.91% | 22.49% | 41.59% | +6,766 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.86% | 6.46% | 5.70% | 5.35% | 4.47% | +162 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.61% | 2.21% | 2.90% | 1.74% | 3.45% | +83 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 100.43% | 105.77% | 80.43% | 73.65% | 56.07% | -4,436 bps | |
| Liquid Assets / Assets | 8.58% | 5.74% | 26.36% | 0.00% | 0.00% | -858 bps | |