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P C Columbus

Columbus, OH · Charter 1266

Q2 1997

$1.8MAssets
$940KLoans
$1.3MShares
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 2.51%, down 111 bps year over year.
  • Asset quality: problem loans at 4.04% of loans (+217 bps YoY).
  • Funding: loans stand at 73.10% of shares as of Q2 1997.

Financial Results

Return on Assets (quarter, annualized)

2.51%-111 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets3.61%3.07%2.48%2.46%2.51%-111 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/an/a-6.12%-7.19%-6.10%n/a
Loan Growth (YoY)n/an/a6.58%10.62%3.97%n/a
Share Growth (YoY)n/an/a-9.50%-10.52%-6.75%n/a
Asset Quality
Delinquent Loans / Loans1.87%1.81%1.48%2.38%4.04%+217 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.71%2.25%1.85%1.75%1.97%-74 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 / Shares65.56%74.04%71.61%79.27%73.10%+754 bps
Liquid Assets / Assets49.69%42.61%37.64%33.83%29.46%-2,023 bps