PackageTrendsPeer
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Dauco

Mechanicsburg, PA · Charter 700

Q4 2000

$2.4MAssets
$1.6MLoans
$1.7MShares
$678KNet 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 0.03%, down 513 bps year over year; NIM at 3.99%.
  • Asset quality: problem loans at 8.08% of loans (+586 bps YoY).
  • Capital: net worth / assets of 28.78%.
  • Funding: loans stand at 98.08% of shares as of Q4 2000.

Financial Results

Return on Assets (YTD, annualized)

0.03%-513 bps YoY

Net Interest Margin (YTD, annualized)

3.99%

Efficiency Ratio (YTD, annualized)

99.15%

Net Worth / Assets

28.78%

Year to date, annualized, through each quarter.

MetricQ4 1998Q2 1999Q4 1999Q2 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets5.16%4.19%1.57%0.30%0.03%-513 bps
Return on Equityn/an/an/an/a0.12%n/an/a
Net Interest Marginn/an/a4.36%3.90%3.99%n/a
Efficiency Ration/an/a64.16%92.25%99.15%n/a
Growth
Asset Growth (YoY)1.39%2.18%0.18%-1.07%-0.95%-234 bps
Loan Growth (YoY)2.65%0.77%2.71%-4.34%-16.06%-1,872 bps
Share Growth (YoY)-3.37%-1.63%-3.99%-4.86%-3.57%-20 bps
Asset Quality
Delinquent Loans / Loans2.22%2.15%1.41%4.04%8.08%+586 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.66%0.69%0.68%0.71%0.79%+13 bps
Capital
Risk-Based Capitaln/an/an/an/a28.78%n/an/a
Net Worth / Assetsn/an/an/an/a28.78%n/an/a
Liquidity & Funding
Loans / Shares112.69%100.26%111.04%102.82%98.08%-1,460 bps
Liquid Assets / Assets16.81%23.22%16.89%21.31%29.21%+1,240 bps