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Co-operators

Center, CO · Charter 65981

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

Co-operators

Center, CO · Charter 65981

Q4 2000

$701KAssets
$546KLoans
$589KShares
$112KNet Worth

Executive Summary

  • Earnings: ROA of -2.07%, up 191 bps year over year; NIM at 6.01%.
  • Asset quality: problem loans at 1.26% of loans (-861 bps YoY).
  • Capital: net worth / assets of 15.93%.
  • Funding: loans stand at 92.70% of shares as of Q4 2000.

Return on Assets (YTD, annualized)

-2.07%+191 bps YoY

Net Interest Margin (YTD, annualized)

6.01%

Efficiency Ratio (YTD, annualized)

130.20%

Net Worth / Assets

15.93%
n/a

Year to date, annualized, through each quarter.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets5.45%5.01%4.26%-3.98%3.51%0.22%-0.66%-2.07%+191 bps
Return on Equityn/an/an/an/an/an/an/a-13.03%n/an/a
Net Interest Marginn/an/an/an/an/a8.14%8.59%6.01%n/a
Efficiency Ration/an/an/an/an/a97.78%107.29%130.20%n/a
Growth
Asset Growth (YoY)0.30%-7.00%-16.22%-28.08%-22.73%-32.21%-31.89%1.82%+2,990 bps
Loan Growth (YoY)14.30%0.66%2.00%-23.92%-26.56%-26.78%-14.37%14.10%+3,802 bps
Share Growth (YoY)-5.90%-14.07%-23.64%-31.39%-22.77%-32.19%-31.12%9.04%+4,043 bps
Asset Quality
Delinquent Loans / Loans1.54%2.27%3.98%9.87%7.74%4.27%2.98%1.26%-861 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.44%1.55%1.49%1.86%7.97%8.77%6.55%4.71%+285 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a15.93%n/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a15.93%n/an/a
Liquidity & Funding
Loans / Shares86.69%84.57%94.68%88.59%82.44%91.31%117.70%92.70%+412 bps
Liquid Assets / Assets22.61%25.66%24.35%20.08%33.07%26.21%0.00%22.77%+269 bps