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Century

Minneapolis, MN · Charter 64685

Q4 2000

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 2000, the quarter ended December 31, 2000, 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

Century

Minneapolis, MN · Charter 64685

Q4 2000

$846KAssets
$786KLoans
$608KShares
$234KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.43%, down 211 bps year over year; NIM at 6.60%.
  • Asset quality: problem loans at 2.11% of loans (-36 bps YoY).
  • Capital: net worth / assets of 27.70%.
  • Funding: loans stand at 129.24% of shares as of Q4 2000.

Financial Results

Return on Assets (YTD, annualized)

0.43%-211 bps YoY

Net Interest Margin (YTD, annualized)

6.60%

Efficiency Ratio (YTD, annualized)

93.53%

Net Worth / Assets

27.70%

Year to date, annualized, through each quarter.

MetricQ4 1998Q2 1999Q4 1999Q2 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets2.54%2.45%0.41%0.75%0.43%-211 bps
Return on Equityn/an/an/an/a1.56%n/an/a
Net Interest Marginn/an/a6.46%6.97%6.60%n/a
Efficiency Ration/an/a98.06%91.23%93.53%n/a
Growth
Asset Growth (YoY)7.99%15.04%13.60%6.23%8.86%+87 bps
Loan Growth (YoY)-3.76%-3.12%-1.91%14.00%32.76%+3,652 bps
Share Growth (YoY)10.54%20.12%19.16%8.33%11.64%+110 bps
Asset Quality
Delinquent Loans / Loans2.47%0.80%0.98%0.97%2.11%-36 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.35%2.59%2.16%1.78%1.48%-187 bps
Capital
Risk-Based Capitaln/an/an/an/a27.70%n/an/a
Net Worth / Assetsn/an/an/an/a27.70%n/an/a
Liquidity & Funding
Loans / Shares108.68%107.62%113.86%122.33%129.24%+2,056 bps
Liquid Assets / Assets23.09%17.59%0.00%0.00%6.52%-1,658 bps