PackageTrendsPeer
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Edlund Company Employees

Burlington, VT · Charter 64552

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

Edlund Company Employees

Burlington, VT · Charter 64552

Q4 2001

$248KAssets
$198KLoans
$195KShares
$50KNet Worth

Executive Summary

  • Earnings: ROA of -3.08%, down 561 bps year over year; NIM at 9.25%.
  • Asset quality: problem loans at 0.28% of loans (+28 bps YoY).
  • Capital: net worth / assets of 20.05%.
  • Funding: loans stand at 101.34% of shares as of Q4 2001.

Return on Assets (YTD, annualized)

-3.08%-561 bps YoY

Net Interest Margin (YTD, annualized)

9.25%+170 bps YoY

Efficiency Ratio (YTD, annualized)

64.96%+99 bps YoY

Net Worth / Assets

20.05%

Year to date, annualized, through each quarter.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets7.51%6.96%7.44%2.53%-1.53%0.40%-7.82%-3.08%-561 bps
Return on Equityn/an/an/an/an/a1.84%-35.22%-15.34%n/a
Net Interest Marginn/an/an/a7.55%7.93%8.40%8.68%9.25%+170 bps
Efficiency Ration/an/an/a63.97%61.49%60.65%71.38%64.96%+99 bps
Growth
Asset Growth (YoY)20.59%16.21%19.24%22.39%22.41%22.03%-0.03%-6.70%-2,910 bps
Loan Growth (YoY)35.13%7.50%3.70%3.56%1.71%19.24%11.01%3.58%+2 bps
Share Growth (YoY)14.77%8.74%13.96%18.88%23.71%23.39%2.80%-6.30%-2,518 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%11.82%10.85%11.89%0.28%+28 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.60%1.78%1.63%1.97%4.95%1.11%7.07%1.06%-91 bps
Capital
Risk-Based Capitaln/an/an/an/an/a21.87%22.20%20.05%n/a
Net Worth / Assetsn/an/an/an/an/a21.87%22.20%20.05%n/a
Liquidity & Funding
Loans / Shares110.58%111.65%98.67%91.68%90.92%107.89%106.56%101.34%+967 bps
Liquid Assets / Assets10.32%10.53%16.70%22.36%28.67%16.32%18.98%19.98%-238 bps