Wilmington, DE · Charter 12597
Q2 2000
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.92% | -0.21% | 1.90% | -1.54% | 2.56% | +448 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 | 5.62% | 6.57% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 82.17% | 56.75% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -11.39% | 11.06% | -18.49% | 30.02% | -23.30% | -1,191 bps | |
| Loan Growth (YoY) | -26.05% | -31.92% | -25.67% | -15.54% | -22.40% | +364 bps | |
| Share Growth (YoY) | -11.00% | 16.16% | -23.13% | 47.43% | -31.38% | -2,038 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.05% | 0.00% | 6.65% | 0.00% | 11.44% | +539 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 6.54% | 2.55% | 3.77% | 2.55% | 7.73% | +119 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 | 88.90% | 76.77% | 107.94% | 76.77% | 100.53% | +1,163 bps | |
| Liquid Assets / Assets | 0.64% | 12.41% | 11.47% | 12.41% | 11.43% | +1,079 bps | |