PackageTrendsPeer
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Scott County Educational

Forest, MS · Charter 14328

Q2 1997

$51KAssets
$44KLoans
$60KShares
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 -65.43%, down 6,684 bps year over year.
  • Asset quality: problem loans at 55.46% of loans (+5,105 bps YoY).
  • Funding: loans stand at 72.14% of shares as of Q2 1997.

Financial Results

Return on Assets (YTD, annualized)

-65.43%-6,684 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 Assets1.41%1.59%2.54%2.61%-65.43%-6,684 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/a3.22%-0.44%-37.85%n/a
Loan Growth (YoY)n/an/a64.60%74.76%-0.23%n/a
Share Growth (YoY)n/an/a2.78%-2.18%-18.94%n/a
Asset Quality
Delinquent Loans / Loans4.41%17.13%3.74%74.22%55.46%+5,105 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans7.05%5.85%7.35%6.95%38.25%+3,120 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 / Shares58.61%66.97%75.60%86.73%72.14%+1,353 bps
Liquid Assets / Assets41.91%28.89%30.21%14.17%22.97%-1,894 bps