Valdese, NC · Charter 67177
Q2 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2000, the quarter ended June 30, 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.
Valdese, NC · Charter 67177
Q2 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 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.35% | 3.82% | 3.75% | -1.02% | 0.10% | -425 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 4.78% | 4.62% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 91.62% | 97.79% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -3.08% | 2.15% | -0.79% | -9.82% | -8.33% | -525 bps | |
| Loan Growth (YoY) | -6.57% | -14.64% | -17.37% | -17.29% | -6.97% | -41 bps | |
| Share Growth (YoY) | -5.28% | 1.79% | -0.97% | -9.82% | -7.38% | -210 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.56% | 1.37% | 1.66% | 1.43% | 2.46% | +90 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.71% | 0.97% | 0.88% | 1.60% | 0.67% | -4 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 84.37% | 75.47% | 78.98% | 84.75% | 84.75% | +37 bps | |
| Liquid Assets / Assets | 18.14% | 26.04% | 22.99% | 8.23% | 0.00% | -1,814 bps | |