PackageTrendsPeer
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Ahavas Chesed

N Miami, FL · Charter 68401

Q4 2000

$1.2MAssets
$728KLoans
$1.2MShares
$-105KNet 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 -5.64%, up 48 bps year over year; NIM at 5.16%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of -9.14%.
  • Funding: loans stand at 59.17% of shares as of Q4 2000.

Financial Results

Return on Assets (YTD, annualized)

-5.64%+48 bps YoY

Net Interest Margin (YTD, annualized)

5.16%+438 bps YoY

Efficiency Ratio (YTD, annualized)

181.23%-69,509 bps YoY

Net Worth / Assets

-9.14%

Year to date, annualized, through each quarter.

MetricQ4 1999Q1 2000Q2 2000Q3 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets-6.12%-8.57%-24.95%-6.46%-5.64%+48 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Margin0.78%3.66%3.99%5.03%5.16%+438 bps
Efficiency Ratio876%315%667%195.61%181.23%-69,509 bps
Growth
Asset Growth (YoY)n/an/an/a34.59%5.24%n/a
Loan Growth (YoY)n/an/an/an/a4250%n/an/a
Share Growth (YoY)n/an/an/a64.47%20.82%n/a
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%1.00%0.99%1.00%+100 bps
Capital
Risk-Based Capitaln/an/an/an/a-9.14%n/an/a
Net Worth / Assetsn/an/an/an/a-9.14%n/an/a
Liquidity & Funding
Loans / Shares1.64%11.26%25.40%54.12%59.17%+5,753 bps
Liquid Assets / Assets69.25%68.72%53.87%38.79%32.24%-3,701 bps