Roanoke, VA · Charter 1258
Q4 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1998, the quarter ended December 31, 1998, 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.
Roanoke, VA · Charter 1258
Q4 1998
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 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.24% | 1.54% | 0.75% | 2.21% | 2.97% | -27 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -29.16% | -26.19% | -26.86% | -18.20% | -13.78% | +1,538 bps | |
| Loan Growth (YoY) | -16.64% | -33.19% | -35.59% | -33.11% | -36.18% | -1,954 bps | |
| Share Growth (YoY) | -36.29% | -32.23% | -33.48% | -23.78% | -19.06% | +1,723 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.69% | 2.49% | 1.52% | 4.63% | 5.25% | +257 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.47% | 1.80% | 3.12% | 4.16% | 4.92% | +245 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 | 97.34% | 89.02% | 97.11% | 86.49% | 76.75% | -2,059 bps | |
| Liquid Assets / Assets | 25.02% | 24.59% | 23.86% | 24.83% | 44.58% | +1,956 bps | |