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Graphic Communicators & Machinists

St. Paul, MN · Charter 64870

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

Graphic Communicators & Machinists

St. Paul, MN · Charter 64870

Q4 2001

$6.2MAssets
$4.5MLoans
$5.5MShares
$656KNet Worth

Executive Summary

  • Earnings: ROA of 0.86%, up 18 bps year over year; NIM at 5.51%.
  • Asset quality: problem loans at 1.15% of loans (-14 bps YoY).
  • Capital: net worth / assets of 10.62%.
  • Funding: loans stand at 81.53% of shares as of Q4 2001.

Return on Assets (YTD, annualized)

0.86%+18 bps YoY

Net Interest Margin (YTD, annualized)

5.51%+88 bps YoY

Efficiency Ratio (YTD, annualized)

83.54%+40 bps YoY

Net Worth / Assets

10.62%

Year to date, annualized, through each quarter.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets4.08%3.99%3.80%0.68%0.43%1.13%0.86%0.86%+18 bps
Return on Equityn/an/an/an/an/a10.10%8.52%8.07%n/a
Net Interest Marginn/an/an/a4.64%5.27%5.87%5.24%5.51%+88 bps
Efficiency Ration/an/an/a83.15%86.77%78.19%84.89%83.54%+40 bps
Growth
Asset Growth (YoY)11.57%13.10%20.63%23.55%16.87%17.98%21.24%16.47%-707 bps
Loan Growth (YoY)1.91%5.84%5.37%0.72%16.40%26.44%25.36%22.84%+2,211 bps
Share Growth (YoY)12.17%13.17%21.33%24.17%17.02%17.71%21.18%15.56%-860 bps
Asset Quality
Delinquent Loans / Loans2.20%1.67%0.84%1.29%0.50%0.53%0.79%1.15%-14 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.69%1.30%1.01%0.92%0.65%0.76%0.44%0.71%-22 bps
Capital
Risk-Based Capitaln/an/an/an/an/a11.18%10.13%10.62%n/a
Net Worth / Assetsn/an/an/an/an/a11.18%10.13%10.62%n/a
Liquidity & Funding
Loans / Shares89.83%88.00%80.79%76.71%89.34%94.53%83.58%81.53%+483 bps
Liquid Assets / Assets16.46%19.71%20.85%0.00%0.49%12.63%22.15%15.93%+1,593 bps