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Greenlee

Rockford, IL · Charter 65625

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

Greenlee

Rockford, IL · Charter 65625

Q4 2000

$9.3MAssets
$4.7MLoans
$8.4MShares
$813KNet 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 0.96%, down 244 bps year over year; NIM at 4.22%.
  • Asset quality: problem loans at 0.06% of loans (-213 bps YoY).
  • Capital: net worth / assets of 8.78%.
  • Funding: loans stand at 55.90% of shares as of Q4 2000.

Financial Results

Return on Assets (YTD, annualized)

0.96%-244 bps YoY

Net Interest Margin (YTD, annualized)

4.22%

Efficiency Ratio (YTD, annualized)

78.52%

Net Worth / Assets

8.78%

Year to date, annualized, through each quarter.

MetricQ4 1998Q2 1999Q4 1999Q2 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets3.40%3.12%0.52%0.81%0.96%-244 bps
Return on Equityn/an/an/an/a10.91%n/an/a
Net Interest Marginn/an/a4.17%3.96%4.22%n/a
Efficiency Ration/an/a81.55%81.75%78.52%n/a
Growth
Asset Growth (YoY)8.39%4.16%2.00%4.82%-2.40%-1,079 bps
Loan Growth (YoY)9.30%3.59%-1.80%0.75%6.75%-255 bps
Share Growth (YoY)6.85%1.77%0.95%4.39%-3.64%-1,049 bps
Asset Quality
Delinquent Loans / Loans2.19%0.89%0.47%0.21%0.06%-213 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.68%0.60%0.71%0.57%0.15%-52 bps
Capital
Risk-Based Capitaln/an/an/an/a8.78%n/an/a
Net Worth / Assetsn/an/an/an/a8.78%n/an/a
Liquidity & Funding
Loans / Shares50.46%49.83%52.55%49.73%55.90%+544 bps
Liquid Assets / Assets13.73%11.20%13.03%13.57%17.20%+347 bps