PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Sherwood Medical Employees'

Deland, FL · Charter 67328

Q3 2000

$5.0MAssets
$2.1MLoans
$3.8MShares
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 1.03%, up 64 bps year over year; NIM at 4.49%.
  • Asset quality: problem loans at 0.18% of loans (-142 bps YoY).
  • Funding: loans stand at 54.42% of shares as of Q3 2000.

Financial Results

Return on Assets (quarter, annualized)

1.03%+64 bps YoY

Net Interest Margin (quarter, annualized)

4.49%+134 bps YoY

Efficiency Ratio (quarter, annualized)

75.00%+245 bps YoY

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ3 1999Q4 1999Q1 2000Q2 2000Q3 2000YoY ΔTrend
Earnings
Return on Assets0.39%0.52%0.71%0.92%1.03%+64 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Margin3.15%3.55%3.96%4.39%4.49%+134 bps
Efficiency Ratio72.55%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 / Loans1.60%0.14%0.14%0.18%0.18%-142 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.09%0.86%1.20%1.37%1.41%+31 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 / Shares39.60%41.45%45.58%52.23%54.42%+1,483 bps
Liquid Assets / Assets28.67%26.60%26.68%26.85%27.28%-139 bps