Cedar Rapids, IA · Charter 65018
Q1 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 | Q1 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.57% | 2.47% | 2.84% | -0.53% | -7.93% | -1,150 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 | 4.50% | 4.94% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 106.11% | 228% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 13.75% | 16.86% | 24.60% | 27.78% | 16.86% | +311 bps | |
| Loan Growth (YoY) | 13.51% | 18.81% | 18.93% | 30.95% | 36.42% | +2,291 bps | |
| Share Growth (YoY) | 13.38% | 22.33% | 37.26% | 37.72% | 24.15% | +1,077 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.02% | 2.24% | 0.92% | 2.32% | 3.23% | +221 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.39% | 1.30% | 1.13% | 1.05% | 1.12% | -27 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 | 83.78% | 88.81% | 83.70% | 88.57% | 92.06% | +828 bps | |
| Liquid Assets / Assets | 20.28% | 15.82% | 15.34% | 6.39% | 8.16% | -1,212 bps | |