Burlington, VT · Charter 64552
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 64552
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 | 2.53% | -1.53% | 0.40% | -7.82% | -3.08% | -561 bps | |
| Return on Equity | n/a | n/a | 1.84% | -35.22% | -15.34% | n/a | |
| Net Interest Margin | 7.55% | 7.93% | 8.40% | 8.68% | 9.25% | +170 bps | |
| Efficiency Ratio | 63.97% | 61.49% | 60.65% | 71.38% | 64.96% | +99 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 22.39% | 22.41% | 22.03% | -0.03% | -6.70% | -2,910 bps | |
| Loan Growth (YoY) | 3.56% | 1.71% | 19.24% | 11.01% | 3.58% | +2 bps | |
| Share Growth (YoY) | 18.88% | 23.71% | 23.39% | 2.80% | -6.30% | -2,518 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 11.82% | 10.85% | 11.89% | 0.28% | +28 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.97% | 4.95% | 1.11% | 7.07% | 1.06% | -91 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 21.87% | 22.20% | 20.05% | n/a | |
| Net Worth / Assets | n/a | n/a | 21.87% | 22.20% | 20.05% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 91.68% | 90.92% | 107.89% | 106.56% | 101.34% | +967 bps | |
| Liquid Assets / Assets | 22.36% | 28.67% | 16.32% | 18.98% | 19.98% | -238 bps | |