PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Arkansas Western Employees

Fayetteville, AR · Charter 63603

Q4 2000

$2.6MAssets
$1.4MLoans
$2.4MShares
$186KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.58%, down 711 bps year over year; NIM at -0.12%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 7.28%.
  • Funding: loans stand at 60.46% of shares as of Q4 2000.

Financial Results

Return on Assets (YTD, annualized)

-0.58%-711 bps YoY

Net Interest Margin (YTD, annualized)

-0.12%

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

7.28%

Year to date, annualized, through each quarter.

MetricQ4 1998Q2 1999Q4 1999Q2 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets6.53%6.06%1.74%1.64%-0.58%-711 bps
Return on Equityn/an/an/an/a-7.91%n/an/a
Net Interest Marginn/an/a2.17%1.92%-0.12%n/a
Efficiency Ration/an/a11.55%14.17%n/an/a
Growth
Asset Growth (YoY)21.80%14.48%6.55%0.50%-20.56%-4,236 bps
Loan Growth (YoY)56.94%35.67%8.99%-16.06%-20.61%-7,755 bps
Share Growth (YoY)21.21%12.71%3.63%-3.16%-22.88%-4,409 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.27%0.21%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.07%0.08%0.08%0.09%0.11%+4 bps
Capital
Risk-Based Capitaln/an/an/an/a7.28%n/an/a
Net Worth / Assetsn/an/an/an/a7.28%n/an/a
Liquidity & Funding
Loans / Shares58.73%52.91%53.75%50.60%60.46%+173 bps
Liquid Assets / Assets38.08%45.20%42.94%40.81%42.43%+435 bps