PackageTrendsPeer
Letter portraitLegal landscape

Fond Du Lac County Employees

Fond Du Lac, WI · Charter 67192

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

Fond Du Lac County Employees

Fond Du Lac, WI · Charter 67192

Q4 2000

$2.6MAssets
$2.5MLoans
$2.3MShares
$110KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -1.20%, down 553 bps year over year; NIM at 3.68%.
  • Asset quality: problem loans at 1.99% of loans (+128 bps YoY).
  • Capital: net worth / assets of 4.15%.
  • Funding: loans stand at 105.52% of shares as of Q4 2000.

Financial Results

Return on Assets (YTD, annualized)

-1.20%-553 bps YoY

Net Interest Margin (YTD, annualized)

3.68%

Efficiency Ratio (YTD, annualized)

89.89%

Net Worth / Assets

4.15%

Year to date, annualized, through each quarter.

MetricQ4 1998Q2 1999Q4 1999Q2 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets4.33%4.57%0.21%1.18%-1.20%-553 bps
Return on Equityn/an/an/an/a-28.88%n/an/a
Net Interest Marginn/an/a4.08%4.23%3.68%n/a
Efficiency Ration/an/a80.34%66.94%89.89%n/a
Growth
Asset Growth (YoY)46.94%37.42%44.56%37.51%38.90%-804 bps
Loan Growth (YoY)44.29%50.79%68.32%58.37%38.21%-608 bps
Share Growth (YoY)48.83%37.40%34.82%27.96%32.81%-1,602 bps
Asset Quality
Delinquent Loans / Loans0.71%2.09%0.99%0.38%1.99%+128 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.01%0.94%1.08%0.63%1.89%+88 bps
Capital
Risk-Based Capitaln/an/an/an/a4.15%n/an/a
Net Worth / Assetsn/an/an/an/a4.15%n/an/a
Liquidity & Funding
Loans / Shares101.40%104.01%113.00%110.16%105.52%+412 bps
Liquid Assets / Assets1.25%0.04%0.00%0.00%5.70%+445 bps