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Local 292 IBEW

Minneapolis, MN · Charter 64447

Q2 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: Q2 2001, the quarter ended June 30, 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

Local 292 IBEW

Minneapolis, MN · Charter 64447

Q2 2001

$40.2MAssets
$24.1MLoans
$32.2MShares
$7.8MNet Worth

Executive Summary

  • Earnings: ROA of 1.43%, down 252 bps year over year; NIM at 4.45%.
  • Asset quality: problem loans at 0.55% of loans (+41 bps YoY).
  • Capital: net worth / assets of 19.29%.
  • Funding: loans stand at 75.09% of shares as of Q2 2001.

Return on Assets (YTD, annualized)

1.43%-252 bps YoY

Net Interest Margin (YTD, annualized)

4.45%

Efficiency Ratio (YTD, annualized)

66.87%

Net Worth / Assets

19.29%

Year to date, annualized, through each quarter.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001YoY ΔTrend
Earnings
Return on Assets4.10%3.94%3.82%3.95%1.59%1.09%1.35%1.43%-252 bps
Return on Equityn/an/an/an/an/an/a6.66%7.41%n/a
Net Interest Marginn/an/an/an/a4.59%4.05%4.35%4.45%n/a
Efficiency Ration/an/an/an/a68.17%75.71%68.66%66.87%n/a
Growth
Asset Growth (YoY)1.74%4.86%7.09%15.37%15.49%13.47%13.88%16.59%+122 bps
Loan Growth (YoY)24.20%23.42%13.60%13.15%14.83%30.59%37.84%21.09%+795 bps
Share Growth (YoY)-0.87%1.17%6.12%15.08%16.19%15.71%13.00%17.74%+266 bps
Asset Quality
Delinquent Loans / Loans0.27%0.36%0.11%0.14%0.12%0.10%0.65%0.55%+41 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.53%0.53%0.48%0.45%0.38%0.28%0.52%0.68%+24 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/a20.24%19.29%n/a
Net Worth / Assetsn/an/an/an/an/an/a20.24%19.29%n/a
Liquidity & Funding
Loans / Shares78.11%77.14%70.54%73.01%77.19%87.06%86.05%75.09%+208 bps
Liquid Assets / Assets19.77%25.16%21.15%23.38%17.27%9.25%19.71%20.54%-285 bps