Center, CO · Charter 65981
Q4 2000
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Center, CO · Charter 65981
Q4 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 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.98% | 3.51% | 0.22% | -0.66% | -2.07% | +191 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | -13.03% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 8.14% | 8.59% | 6.01% | n/a | |
| Efficiency Ratio | n/a | n/a | 97.78% | 107.29% | 130.20% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -28.08% | -22.73% | -32.21% | -31.89% | 1.82% | +2,990 bps | |
| Loan Growth (YoY) | -23.92% | -26.56% | -26.78% | -14.37% | 14.10% | +3,802 bps | |
| Share Growth (YoY) | -31.39% | -22.77% | -32.19% | -31.12% | 9.04% | +4,043 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 9.87% | 7.74% | 4.27% | 2.98% | 1.26% | -861 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.86% | 7.97% | 8.77% | 6.55% | 4.71% | +285 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 15.93% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 15.93% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 88.59% | 82.44% | 91.31% | 117.70% | 92.70% | +412 bps | |
| Liquid Assets / Assets | 20.08% | 33.07% | 26.21% | 0.00% | 22.77% | +269 bps | |