PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Cyanamid Employees

Pace, FL · Charter 67306

Q2 2000

$8.6MAssets
$4.6MLoans
$7.3MShares
n/aNet 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 0.83%, down 274 bps year over year; NIM at 3.96%.
  • Asset quality: problem loans at 0.00% of loans (-40 bps YoY).
  • Funding: loans stand at 63.04% of shares as of Q2 2000.

Financial Results

Return on Assets (YTD, annualized)

0.83%-274 bps YoY

Net Interest Margin (YTD, annualized)

3.96%

Efficiency Ratio (YTD, annualized)

80.30%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1999Q3 1999Q4 1999Q1 2000Q2 2000YoY ΔTrend
Earnings
Return on Assets3.57%0.39%0.45%0.57%0.83%-274 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/a3.38%3.54%3.72%3.96%n/a
Efficiency Ration/a89.29%88.11%85.46%80.30%n/a
Growth
Asset Growth (YoY)4.93%-0.42%-4.70%-0.53%-4.23%-916 bps
Loan Growth (YoY)-11.14%-13.08%-7.10%-3.87%-1.24%+991 bps
Share Growth (YoY)5.07%-1.13%-5.66%-1.06%-5.43%-1,049 bps
Asset Quality
Delinquent Loans / Loans0.40%0.14%0.19%0.25%0.00%-40 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.20%0.20%0.46%0.37%0.25%+4 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares60.37%60.67%64.27%63.11%63.04%+267 bps
Liquid Assets / Assets39.25%36.87%35.56%32.79%38.52%-72 bps