PackageTrendsPeer
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Acme Visible Records

Crozet, VA · Charter 7505

Q4 2001

$2.1MAssets
$814KLoans
$1.9MShares
$130KNet 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 0.33%, down 21 bps year over year; NIM at 3.81%.
  • Asset quality: problem loans at 1.01% of loans (-157 bps YoY).
  • Capital: net worth / assets of 6.23%.
  • Funding: loans stand at 41.72% of shares as of Q4 2001.

Financial Results

Return on Assets (YTD, annualized)

0.33%-21 bps YoY

Net Interest Margin (YTD, annualized)

3.81%-57 bps YoY

Efficiency Ratio (YTD, annualized)

117.13%+96 bps YoY

Net Worth / Assets

6.23%

Year to date, annualized, through each quarter.

MetricQ4 1999Q2 2000Q4 2000Q2 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets0.54%3.16%1.87%0.24%0.33%-21 bps
Return on Equityn/an/a29.13%3.74%5.32%n/a
Net Interest Margin4.39%4.14%4.36%4.14%3.81%-57 bps
Efficiency Ratio116.18%101.02%96.18%116.06%117.13%+96 bps
Growth
Asset Growth (YoY)-13.61%-5.04%-3.57%-1.03%14.33%+2,794 bps
Loan Growth (YoY)-37.06%-29.42%-17.87%-14.38%-1.84%+3,522 bps
Share Growth (YoY)-15.34%-8.02%-6.08%-3.08%12.62%+2,796 bps
Asset Quality
Delinquent Loans / Loans2.58%2.90%7.79%1.38%1.01%-157 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans8.44%6.97%8.06%7.24%5.81%-263 bps
Capital
Risk-Based Capitaln/an/a6.41%6.47%6.23%n/a
Net Worth / Assetsn/an/a6.41%6.47%6.23%n/a
Liquidity & Funding
Loans / Shares47.86%43.14%43.24%44.50%41.72%-615 bps
Liquid Assets / Assets17.43%16.33%59.51%58.72%60.66%+4,323 bps