Stevens Point, WI · Charter 66771
Q4 2001
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Stevens Point, WI · Charter 66771
Q4 2001
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 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.48% | -0.24% | 0.35% | -0.91% | -0.72% | -120 bps | |
| Return on Equity | n/a | n/a | 3.04% | -8.71% | -7.86% | n/a | |
| Net Interest Margin | 3.79% | 3.73% | 4.56% | 4.30% | 3.64% | -15 bps | |
| Efficiency Ratio | 83.16% | 106.47% | 81.24% | 94.09% | 101.12% | +1,797 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 26.78% | 24.74% | 4.39% | -2.08% | 13.92% | -1,286 bps | |
| Loan Growth (YoY) | 15.90% | 8.83% | 28.42% | 5.38% | 21.30% | +540 bps | |
| Share Growth (YoY) | 29.47% | 27.12% | 3.89% | -2.58% | 15.96% | -1,351 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.74% | 1.49% | 1.71% | 3.19% | +319 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.57% | 0.57% | 0.65% | 1.31% | 0.90% | +33 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 11.66% | 10.47% | 9.15% | n/a | |
| Net Worth / Assets | n/a | n/a | 11.66% | 10.47% | 9.15% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 67.58% | 62.92% | 90.22% | 79.95% | 70.69% | +311 bps | |
| Liquid Assets / Assets | 16.72% | 17.54% | 19.73% | 28.39% | 34.98% | +1,826 bps | |