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United Credit Union

Rogersville, TN · Charter 68108

Q4 2000

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2000, the quarter ended December 31, 2000, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

United Credit Union

Rogersville, TN · Charter 68108

Q4 2000

$2.6MAssets
$2.2MLoans
$2.1MShares
$483KNet Worth

Executive Summary

  • Earnings: ROA of 1.26%, down 373 bps year over year; NIM at 7.45%.
  • Asset quality: problem loans at 4.05% of loans (+238 bps YoY).
  • Capital: net worth / assets of 18.66%.
  • Funding: loans stand at 107.52% of shares as of Q4 2000.

Return on Assets (YTD, annualized)

1.26%-373 bps YoY

Net Interest Margin (YTD, annualized)

7.45%

Efficiency Ratio (YTD, annualized)

63.93%

Net Worth / Assets

18.66%
n/a

Year to date, annualized, through each quarter.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets3.73%4.57%3.57%5.00%1.61%1.72%1.54%1.26%-373 bps
Return on Equityn/an/an/an/an/an/an/a6.77%n/an/a
Net Interest Marginn/an/an/an/an/a7.66%7.74%7.45%n/a
Efficiency Ration/an/an/an/an/a66.78%62.03%63.93%n/a
Growth
Asset Growth (YoY)-6.50%-5.72%-5.59%-8.08%0.38%3.12%4.45%17.89%+2,597 bps
Loan Growth (YoY)18.43%15.00%14.69%22.50%26.70%39.30%48.84%31.08%+857 bps
Share Growth (YoY)-11.28%-10.98%-10.51%-14.32%-5.28%-2.49%-0.92%16.08%+3,040 bps
Asset Quality
Delinquent Loans / Loans4.34%4.04%3.21%1.67%1.70%4.86%3.03%4.05%+238 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.17%2.61%2.25%1.88%2.36%1.62%1.76%1.76%-12 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a18.66%n/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a18.66%n/an/a
Liquidity & Funding
Loans / Shares71.57%77.96%73.76%95.22%95.74%111.37%110.81%107.52%+1,230 bps
Liquid Assets / Assets13.47%5.29%12.58%0.00%0.00%0.00%0.00%12.00%+1,200 bps