Casper, WY · Charter 12842
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 | 3.10% | 0.70% | 1.18% | 0.99% | -1.35% | -446 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) | -6.46% | -9.08% | -12.09% | -29.84% | -57.17% | -5,072 bps | |
| Loan Growth (YoY) | 3.70% | -9.36% | -40.87% | -64.14% | -67.85% | -7,155 bps | |
| Share Growth (YoY) | -10.30% | -12.12% | -15.93% | -37.11% | -43.68% | -3,337 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.82% | 35.31% | 37.60% | 6.64% | 6.00% | -83 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.96% | 4.00% | 5.29% | 1.74% | 8.41% | +545 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 | 87.15% | 71.77% | 66.31% | 55.25% | 49.75% | -3,740 bps | |
| Liquid Assets / Assets | 35.19% | 36.12% | 39.06% | 44.92% | 2.24% | -3,295 bps | |