Crystal City, MO · Charter 64498
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.
Crystal City, MO · Charter 64498
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 | 4.01% | 4.07% | 3.66% | 0.02% | 0.03% | -398 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 | 1.38% | 1.43% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 94.20% | 97.73% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 7.37% | 4.52% | 3.52% | 13.24% | 4.90% | -247 bps | |
| Loan Growth (YoY) | -36.91% | -24.33% | -0.03% | 0.80% | -31.78% | +514 bps | |
| Share Growth (YoY) | 6.88% | 4.25% | 3.50% | 15.68% | 6.60% | -28 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 11.61% | 15.89% | 8.72% | 5.73% | 2.70% | -892 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.43% | 3.47% | 4.17% | 4.42% | 5.34% | +291 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 | 24.51% | 23.60% | 20.97% | 17.42% | 15.68% | -882 bps | |
| Liquid Assets / Assets | 75.89% | 77.76% | 78.00% | 82.69% | 83.75% | +786 bps | |