Huntington, WV · Charter 68110
Q4 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 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 5.25% | 4.72% | 0.19% | 0.73% | 0.74% | -451 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 6.01% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 4.24% | 4.46% | 4.42% | n/a | |
| Efficiency Ratio | n/a | n/a | 79.21% | 77.36% | 80.00% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 18.09% | 17.25% | 14.00% | 2.78% | 0.39% | -1,770 bps | |
| Loan Growth (YoY) | 7.83% | 7.44% | 10.75% | 21.55% | 15.88% | +805 bps | |
| Share Growth (YoY) | 17.54% | 17.12% | 14.66% | 2.17% | -0.09% | -1,764 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.43% | 1.39% | 2.22% | 1.10% | 1.57% | -86 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.41% | 0.46% | 0.65% | 0.96% | 1.04% | +64 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 12.33% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 12.33% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 82.37% | 78.07% | 82.39% | 95.03% | 95.54% | +1,317 bps | |
| Liquid Assets / Assets | 23.04% | 22.19% | 13.98% | 7.53% | 107.24% | +8,420 bps | |