Mason City, IA · Charter 65103
Q2 2000
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1998 | Q2 1999 | Q4 1999 | Q1 2000 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.70% | 3.57% | 0.20% | 1.05% | 0.62% | -208 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 | 6.88% | 7.94% | 8.40% | n/a | |
| Efficiency Ratio | n/a | n/a | 97.04% | 86.78% | 92.58% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -27.59% | -26.91% | -27.83% | -26.22% | -24.77% | +282 bps | |
| Loan Growth (YoY) | -30.14% | -19.32% | -23.03% | -15.36% | -34.69% | -455 bps | |
| Share Growth (YoY) | -30.79% | -34.39% | -35.92% | -32.94% | -30.45% | +34 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 10.01% | 0.11% | 4.39% | 15.26% | 16.76% | +675 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.50% | 1.60% | 1.93% | 2.33% | 2.90% | +140 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 | 123.45% | 126.91% | 109.63% | 123.10% | 115.91% | -754 bps | |
| Liquid Assets / Assets | 2.67% | 2.91% | 0.00% | 0.00% | 0.00% | -267 bps | |