Tucson, AZ · Charter 68184
Q4 2000
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Tucson, AZ · Charter 68184
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 | -4.25% | 1.60% | 0.85% | 0.54% | 0.37% | +462 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 24.43% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 9.05% | 9.54% | 8.75% | n/a | |
| Efficiency Ratio | n/a | n/a | 72.03% | 91.23% | 94.49% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 6.26% | 17.50% | 13.70% | 9.71% | 29.70% | +2,344 bps | |
| Loan Growth (YoY) | 82.21% | 28.63% | 19.86% | 25.50% | 27.67% | -5,454 bps | |
| Share Growth (YoY) | 9.67% | 22.05% | 17.59% | 10.48% | 29.03% | +1,936 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 9.70% | 8.49% | 7.82% | 3.84% | 2.41% | -729 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 7.61% | 6.24% | 6.82% | 5.86% | 4.44% | -317 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 1.51% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 1.51% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 87.88% | 74.03% | 81.34% | 83.16% | 86.96% | -93 bps | |
| Liquid Assets / Assets | 16.38% | 29.07% | 22.42% | 20.97% | 16.14% | -24 bps | |