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Cyrax

Upper Darby, PA · Charter 7112

Q4 1999

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 1999, the quarter ended December 31, 1999, 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

Cyrax

Upper Darby, PA · Charter 7112

Q4 1999

$4.4MAssets
$2.0MLoans
$4.0MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of -2.50%, down 548 bps year over year; NIM at 5.21%.
  • Asset quality: problem loans at 11.94% of loans (-16 bps YoY).
  • Funding: loans stand at 50.08% of shares as of Q4 1999.

Return on Assets (YTD, annualized)

-2.50%-548 bps YoY

Net Interest Margin (YTD, annualized)

5.21%
n/a

Efficiency Ratio (YTD, annualized)

95.49%
n/a

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1996Q4 1996Q2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets3.68%3.50%2.96%2.98%3.34%1.28%0.59%-2.50%-548 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a5.21%n/an/a
Efficiency Ration/an/an/an/an/an/an/a95.49%n/an/a
Growth
Asset Growth (YoY)-2.29%-2.12%10.43%9.50%8.16%6.52%-0.49%-6.87%-1,637 bps
Loan Growth (YoY)16.01%20.91%10.93%5.02%5.40%-6.61%-8.28%-27.99%-3,301 bps
Share Growth (YoY)-4.82%-4.16%10.09%9.54%8.22%9.40%2.32%1.63%-790 bps
Asset Quality
Delinquent Loans / Loans13.38%11.55%13.76%12.09%7.08%16.76%13.16%11.94%-16 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans7.61%6.90%7.13%5.43%2.29%5.02%7.81%4.96%-47 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares70.01%79.41%68.68%70.69%68.18%67.79%61.57%50.08%-2,061 bps
Liquid Assets / Assets12.86%19.76%31.25%9.49%9.29%34.15%6.42%6.72%-277 bps