PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Wes Mar Telco

Cumberland, MD · Charter 11873

Q4 1997

$894KAssets
$516KLoans
$727KShares
n/aNet 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 1.33%, down 284 bps year over year.
  • Asset quality: problem loans at 1.72% of loans (-259 bps YoY).
  • Funding: loans stand at 71.06% of shares as of Q4 1997.

Financial Results

Return on Assets (YTD, annualized)

1.33%-284 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ4 1995Q2 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets4.17%3.30%3.99%2.75%1.33%-284 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/a-1.39%-22.07%-27.05%-11.36%n/a
Loan Growth (YoY)n/a-20.92%-32.72%-25.20%-18.34%n/a
Share Growth (YoY)n/a-4.21%-27.68%-32.40%-9.25%n/a
Asset Quality
Delinquent Loans / Loans4.31%4.23%2.61%2.87%1.72%-259 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans4.52%5.31%3.99%3.63%2.60%-191 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares78.96%72.18%76.39%80.27%71.06%-790 bps
Liquid Assets / Assets25.51%31.45%37.62%33.65%15.04%-1,046 bps