Stevens Point, WI · Charter 66629
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.
Stevens Point, WI · Charter 66629
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 | 2.93% | 2.64% | 0.36% | 1.05% | 0.88% | -205 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 5.13% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 3.59% | 3.73% | 4.25% | n/a | |
| Efficiency Ratio | n/a | n/a | 87.44% | 75.00% | 77.74% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 10.94% | 16.96% | 14.16% | 12.37% | 3.39% | -756 bps | |
| Loan Growth (YoY) | -28.57% | -36.41% | -34.14% | -29.94% | -11.97% | +1,660 bps | |
| Share Growth (YoY) | 11.90% | 19.34% | 15.95% | 13.09% | 1.93% | -997 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.37% | 2.04% | 1.20% | 0.74% | 1.66% | +28 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.36% | 0.43% | 0.42% | 0.33% | 0.75% | +39 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 17.14% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 17.14% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 62.81% | 50.96% | 54.30% | 47.78% | 54.25% | -856 bps | |
| Liquid Assets / Assets | 40.20% | 50.51% | 0.00% | 46.24% | 49.96% | +976 bps | |