PackageTrendsPeer
Letter portraitLegal landscape

Onondaga County Employees

Syracuse, NY · Charter 6581

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

Onondaga County Employees

Syracuse, NY · Charter 6581

Q4 2001

$13.4MAssets
$9.2MLoans
$12.4MShares
$887KNet Worth

Executive Summary

  • Earnings: ROA of 0.10%, down 31 bps year over year; NIM at 4.66%.
  • Asset quality: problem loans at 0.38% of loans (+5 bps YoY).
  • Capital: net worth / assets of 6.65%.
  • Funding: loans stand at 74.08% of shares as of Q4 2001.

Return on Assets (YTD, annualized)

0.10%-31 bps YoY

Net Interest Margin (YTD, annualized)

4.66%-21 bps YoY

Efficiency Ratio (YTD, annualized)

85.24%-297 bps YoY

Net Worth / Assets

6.65%

Year to date, annualized, through each quarter.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets1.81%2.14%2.69%0.40%0.58%0.51%-0.25%0.10%-31 bps
Return on Equityn/an/an/an/an/a7.08%-3.76%1.46%n/a
Net Interest Marginn/an/an/a4.87%4.83%4.92%4.67%4.66%-21 bps
Efficiency Ration/an/an/a88.21%86.36%86.31%87.48%85.24%-297 bps
Growth
Asset Growth (YoY)2.52%3.46%12.23%17.24%15.32%19.37%9.76%14.93%-231 bps
Loan Growth (YoY)71.39%90.68%97.93%76.25%31.52%21.00%19.33%0.97%-7,528 bps
Share Growth (YoY)3.99%13.08%15.32%20.26%16.45%12.70%10.72%15.68%-458 bps
Asset Quality
Delinquent Loans / Loans0.76%0.61%0.39%0.34%0.24%1.32%1.33%0.38%+5 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.61%0.71%0.75%0.57%0.32%0.35%0.63%0.52%-5 bps
Capital
Risk-Based Capitaln/an/an/an/an/a7.22%6.60%6.65%n/a
Net Worth / Assetsn/an/an/an/an/a7.22%6.60%6.65%n/a
Liquidity & Funding
Loans / Shares74.92%79.47%77.15%84.87%84.62%85.33%83.14%74.08%-1,079 bps
Liquid Assets / Assets18.03%8.86%11.70%4.68%1.04%11.72%14.77%22.58%+1,789 bps