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Educators

Pueblo, CO · Charter 64002

Q4 2001

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: Q4 2001, the quarter ended December 31, 2001, 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

Educators

Pueblo, CO · Charter 64002

Q4 2001

$2.3MAssets
$1.4MLoans
$1.9MShares
$386KNet Worth

Executive Summary

  • Earnings: ROA of 0.84%, up 34 bps year over year; NIM at 4.79%.
  • Asset quality: problem loans at 1.20% of loans (+23 bps YoY).
  • Capital: net worth / assets of 17.06%.
  • Funding: loans stand at 74.71% of shares as of Q4 2001.

Return on Assets (YTD, annualized)

0.84%+34 bps YoY

Net Interest Margin (YTD, annualized)

4.79%-94 bps YoY

Efficiency Ratio (YTD, annualized)

85.08%-204 bps YoY

Net Worth / Assets

17.06%

Year to date, annualized, through each quarter.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets3.65%3.43%3.27%0.50%0.15%-2.22%1.39%0.84%+34 bps
Return on Equityn/an/an/an/an/a-13.31%8.05%4.93%n/a
Net Interest Marginn/an/an/a5.72%6.17%6.17%5.18%4.79%-94 bps
Efficiency Ration/an/an/a87.12%89.41%85.66%82.72%85.08%-204 bps
Growth
Asset Growth (YoY)4.60%6.73%12.73%11.90%9.90%1.10%-4.73%-1.02%-1,291 bps
Loan Growth (YoY)0.63%-5.20%-0.64%4.72%0.60%-7.01%-17.34%-27.90%-3,262 bps
Share Growth (YoY)2.13%7.65%13.67%13.79%11.51%3.88%-3.74%0.63%-1,315 bps
Asset Quality
Delinquent Loans / Loans1.98%1.92%0.67%0.97%4.46%1.17%0.04%1.20%+23 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.81%0.82%0.45%0.78%1.21%1.84%0.96%1.28%+49 bps
Capital
Risk-Based Capitaln/an/an/an/an/a16.71%17.20%17.06%n/a
Net Worth / Assetsn/an/an/an/an/a16.71%17.20%17.06%n/a
Liquidity & Funding
Loans / Shares104.71%99.42%97.41%104.27%94.46%89.00%83.64%74.71%-2,956 bps
Liquid Assets / Assets7.43%13.29%13.77%10.39%1.33%24.62%28.98%36.64%+2,625 bps