Forest, MS · Charter 14328
Q2 1997
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 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.41% | 1.59% | 2.54% | 2.61% | -65.43% | -6,684 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) | n/a | n/a | 3.22% | -0.44% | -37.85% | n/a | |
| Loan Growth (YoY) | n/a | n/a | 64.60% | 74.76% | -0.23% | n/a | |
| Share Growth (YoY) | n/a | n/a | 2.78% | -2.18% | -18.94% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.41% | 17.13% | 3.74% | 74.22% | 55.46% | +5,105 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 7.05% | 5.85% | 7.35% | 6.95% | 38.25% | +3,120 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 | 58.61% | 66.97% | 75.60% | 86.73% | 72.14% | +1,353 bps | |
| Liquid Assets / Assets | 41.91% | 28.89% | 30.21% | 14.17% | 22.97% | -1,894 bps | |