Eustis, FL · Charter 67326
Q3 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2000, the quarter ended September 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.
Eustis, FL · Charter 67326
Q3 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 | Q3 1999 | Q4 1999 | Q1 2000 | Q2 2000 | Q3 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.88% | 0.85% | 1.14% | 1.20% | 1.23% | +35 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | 3.37% | 3.50% | 3.51% | 3.59% | 3.88% | +51 bps | |
| Efficiency Ratio | 77.25% | 78.73% | 74.72% | 74.36% | 75.66% | -159 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 18.18% | 11.25% | 11.06% | 2.72% | 0.71% | -1,747 bps | |
| Loan Growth (YoY) | 0.85% | 9.16% | 18.89% | 23.88% | 24.21% | +2,336 bps | |
| Share Growth (YoY) | 20.35% | 11.77% | 11.62% | 1.23% | -1.17% | -2,151 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.15% | 0.06% | 0.05% | 0.03% | 0.11% | -4 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.64% | 0.63% | 0.59% | 0.50% | 0.41% | -23 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 | 50.96% | 54.49% | 53.51% | 56.38% | 64.04% | +1,309 bps | |
| Liquid Assets / Assets | 38.95% | 34.56% | 36.89% | 37.64% | 30.47% | -848 bps | |