PackageTrendsPeer
Letter portraitLegal landscape

Federal Employees

Gary, IN · Charter 82759

Q4 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: Q4 2001, the quarter ended December 31, 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

Federal Employees

Gary, IN · Charter 82759

Q4 2001

$4.9MAssets
$2.0MLoans
$3.7MShares
$1.1MNet Worth

Executive Summary

  • Earnings: ROA of -0.32%, down 66 bps year over year; NIM at 5.43%.
  • Asset quality: problem loans at 5.99% of loans (-333 bps YoY).
  • Capital: net worth / assets of 22.33%.
  • Funding: loans stand at 53.70% of shares as of Q4 2001.

Return on Assets (YTD, annualized)

-0.32%-66 bps YoY

Net Interest Margin (YTD, annualized)

5.43%-25 bps YoY

Efficiency Ratio (YTD, annualized)

96.26%+1,112 bps YoY

Net Worth / Assets

22.33%

Year to date, annualized, through each quarter.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets3.36%2.31%2.44%0.34%-0.06%-0.03%-0.61%-0.32%-66 bps
Return on Equityn/an/an/an/an/a-0.12%-2.80%-1.41%n/a
Net Interest Marginn/an/an/a5.68%5.06%5.57%5.07%5.43%-25 bps
Efficiency Ration/an/an/a85.13%93.36%92.46%98.65%96.26%+1,112 bps
Growth
Asset Growth (YoY)-5.30%0.58%-2.05%-5.96%-8.17%-15.47%-18.68%-15.25%-929 bps
Loan Growth (YoY)-17.54%-18.47%-11.16%-17.40%-11.04%-11.65%-19.70%-17.11%+30 bps
Share Growth (YoY)-4.21%1.42%-2.24%-9.89%-9.28%-19.30%-22.56%-17.52%-762 bps
Asset Quality
Delinquent Loans / Loans7.51%4.77%4.92%9.32%8.06%6.25%15.57%5.99%-333 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.68%2.46%3.35%2.87%2.63%2.45%2.69%2.26%-61 bps
Capital
Risk-Based Capitaln/an/an/an/an/a21.26%21.62%22.33%n/a
Net Worth / Assetsn/an/an/an/an/a21.26%21.62%22.33%n/a
Liquidity & Funding
Loans / Shares49.15%50.28%49.14%53.44%48.20%55.05%50.96%53.70%+27 bps
Liquid Assets / Assets29.07%33.38%26.37%28.54%30.91%32.06%39.71%29.64%+110 bps