PackageTrendsPeer
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Parky Maryland

Baltimore, MD · Charter 12670

Q2 1997

$67KAssets
$34KLoans
$68KShares
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 -5.71%, down 873 bps year over year.
  • Asset quality: problem loans at 13.78% of loans (+1,358 bps YoY).
  • Funding: loans stand at 49.92% of shares as of Q2 1997.

Financial Results

Return on Assets (YTD, annualized)

-5.71%-873 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.

MetricQ2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets3.02%0.57%-7.85%-5.79%-5.71%-873 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-43.73%-34.84%-40.49%n/a
Loan Growth (YoY)n/an/a-67.48%-34.09%-39.45%n/a
Share Growth (YoY)n/an/a-43.44%-31.56%-34.25%n/a
Asset Quality
Delinquent Loans / Loans0.19%0.28%15.50%6.77%13.78%+1,358 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.11%1.26%8.86%4.45%7.36%+625 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 / Shares54.21%50.84%43.90%83.74%49.92%-429 bps
Liquid Assets / Assets0.00%0.00%50.73%0.00%29.73%+2,973 bps