Deland, FL · Charter 67328
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.
Deland, FL · Charter 67328
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 | 0.39% | 0.52% | 0.71% | 0.92% | 1.03% | +64 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | 3.15% | 3.55% | 3.96% | 4.39% | 4.49% | +134 bps | |
| Efficiency Ratio | 72.55% | 68.57% | 73.22% | 74.23% | 75.00% | +245 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.32% | 6.32% | -6.35% | -21.68% | -25.26% | -3,658 bps | |
| Loan Growth (YoY) | 19.34% | 24.65% | 21.04% | 7.22% | -5.55% | -2,489 bps | |
| Share Growth (YoY) | 12.75% | 7.45% | -8.53% | -28.45% | -31.28% | -4,403 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.60% | 0.14% | 0.14% | 0.18% | 0.18% | -142 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.09% | 0.86% | 1.20% | 1.37% | 1.41% | +31 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 | 39.60% | 41.45% | 45.58% | 52.23% | 54.42% | +1,483 bps | |
| Liquid Assets / Assets | 28.67% | 26.60% | 26.68% | 26.85% | 27.28% | -139 bps | |