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Sts. Jude & Agnes

Elyria, OH · Charter 7932

Q2 2001

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: Q2 2001, the quarter ended June 30, 2001, 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

Sts. Jude & Agnes

Elyria, OH · Charter 7932

Q2 2001

$357KAssets
$182KLoans
$311KShares
$46KNet Worth

Executive Summary

  • Earnings: ROA of -0.72%, down 199 bps year over year; NIM at 5.73%.
  • Asset quality: problem loans at 9.52% of loans (+289 bps YoY).
  • Capital: net worth / assets of 12.92%.
  • Funding: loans stand at 58.59% of shares as of Q2 2001.

Return on Assets (YTD, annualized)

-0.72%-199 bps YoY

Net Interest Margin (YTD, annualized)

5.73%

Efficiency Ratio (YTD, annualized)

107.94%

Net Worth / Assets

12.92%

Year to date, annualized, through each quarter.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001YoY ΔTrend
Earnings
Return on Assets2.31%2.23%1.89%1.27%0.07%0.02%-0.52%-0.72%-199 bps
Return on Equityn/an/an/an/an/an/a-4.15%-5.55%n/a
Net Interest Marginn/an/an/an/a5.85%6.08%6.14%5.73%n/a
Efficiency Ration/an/an/an/a97.71%95.76%96.60%107.94%n/a
Growth
Asset Growth (YoY)1.39%-5.26%2.42%4.97%-10.29%-10.78%-13.55%-21.94%-2,691 bps
Loan Growth (YoY)17.52%-7.53%-10.50%-20.90%-21.13%-15.86%-17.12%-27.67%-678 bps
Share Growth (YoY)0.98%-6.29%2.05%5.39%-11.72%-12.23%-14.78%-23.97%-2,936 bps
Asset Quality
Delinquent Loans / Loans4.32%3.57%7.83%6.63%12.06%13.07%10.97%9.52%+289 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.16%1.43%1.41%1.27%0.85%0.50%1.13%2.28%+101 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/a12.65%12.92%n/a
Net Worth / Assetsn/an/an/an/an/an/a12.65%12.92%n/a
Liquidity & Funding
Loans / Shares78.95%68.47%67.74%61.59%70.53%65.64%65.88%58.59%-300 bps
Liquid Assets / Assets25.53%34.51%34.09%41.23%30.67%38.18%40.21%47.55%+632 bps