Hialeah, FL · Charter 7387
Q2 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2000, the quarter ended June 30, 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.
Hialeah, FL · Charter 7387
Q2 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 | Q2 1999 | Q3 1999 | Q4 1999 | Q1 2000 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.37% | 0.70% | 0.91% | 1.29% | 1.46% | -191 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | 4.21% | 4.45% | 4.52% | 4.81% | n/a | |
| Efficiency Ratio | n/a | 78.24% | 77.09% | 76.88% | 75.83% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 8.77% | 13.56% | 5.93% | 11.37% | 3.09% | -568 bps | |
| Loan Growth (YoY) | 1.48% | 5.47% | 13.03% | 16.07% | 14.82% | +1,334 bps | |
| Share Growth (YoY) | 8.79% | 13.97% | 5.57% | 12.25% | 2.79% | -601 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.54% | 0.49% | 0.40% | 0.30% | 0.42% | -12 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.83% | 1.69% | 1.45% | 1.30% | 1.15% | -68 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.17% | 69.69% | 76.47% | 70.18% | 77.27% | +810 bps | |
| Liquid Assets / Assets | 33.81% | 22.06% | 21.60% | 22.31% | 13.81% | -2,000 bps | |