Burlington, VT · Charter 64475
Q4 2001
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Burlington, VT · Charter 64475
Q4 2001
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 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.78% | -0.03% | 0.20% | -0.81% | -0.45% | -123 bps | |
| Return on Equity | n/a | n/a | 1.28% | -5.51% | -3.29% | n/a | |
| Net Interest Margin | 4.95% | 4.35% | 5.32% | 5.35% | 4.98% | +3 bps | |
| Efficiency Ratio | 84.93% | 88.29% | 88.56% | 95.04% | 94.68% | +975 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 14.20% | 15.90% | 12.81% | 11.15% | 19.70% | +550 bps | |
| Loan Growth (YoY) | 4.63% | 7.95% | 11.56% | 5.99% | 4.18% | -45 bps | |
| Share Growth (YoY) | 14.46% | 17.23% | 14.69% | 13.11% | 24.36% | +990 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.99% | 1.23% | 1.75% | 1.86% | 0.57% | -142 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.14% | 1.23% | 1.10% | 0.96% | 1.02% | -12 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 15.66% | 14.65% | 13.65% | n/a | |
| Net Worth / Assets | n/a | n/a | 15.66% | 14.65% | 13.65% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 101.09% | 95.48% | 99.65% | 92.42% | 84.69% | -1,640 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 14.19% | 19.05% | 25.01% | +2,501 bps | |