PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Hospital Employees

Memphis, TN · Charter 68087

Q4 2001

$3.0MAssets
$1.4MLoans
$2.8MShares
$201KNet 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 -0.50%, up 234 bps year over year; NIM at 4.25%.
  • Asset quality: problem loans at 2.29% of loans (-517 bps YoY).
  • Capital: net worth / assets of 6.77%.
  • Funding: loans stand at 51.55% of shares as of Q4 2001.

Financial Results

Return on Assets (quarter, annualized)

-0.50%+234 bps YoY

Net Interest Margin (quarter, annualized)

4.25%-68 bps YoY

Efficiency Ratio (quarter, annualized)

92.48%-1,094 bps YoY

Net Worth / Assets

6.77%

Discrete quarter, annualized.

MetricQ4 1999Q2 2000Q4 2000Q2 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets-2.85%0.74%0.77%0.28%-0.50%+234 bps
Return on Equityn/an/a9.82%3.84%-7.41%n/a
Net Interest Margin4.93%5.00%5.21%4.28%4.25%-68 bps
Efficiency Ratio103.42%86.90%87.97%90.76%92.48%-1,094 bps
Growth
Asset Growth (YoY)-16.09%-15.80%-7.61%-4.39%5.35%+2,144 bps
Loan Growth (YoY)-5.69%-11.59%-17.94%-25.86%-19.19%-1,351 bps
Share Growth (YoY)-15.37%-14.91%-6.46%-3.42%5.38%+2,076 bps
Asset Quality
Delinquent Loans / Loans7.45%6.28%5.12%6.59%2.29%-517 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.53%3.51%2.47%2.32%2.52%-101 bps
Capital
Risk-Based Capitaln/an/a7.80%7.31%6.77%n/a
Net Worth / Assetsn/an/a7.80%7.31%6.77%n/a
Liquidity & Funding
Loans / Shares67.24%61.09%61.27%50.46%51.55%-1,568 bps
Liquid Assets / Assets0.08%24.70%26.32%49.01%48.53%+4,844 bps