Whitakers, NC · Charter 1540
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 | -1.65% | -8.35% | -14.36% | -10.77% | -6.96% | -531 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) | 116.62% | 38.42% | 3.32% | 31.11% | -5.40% | -12,202 bps | |
| Loan Growth (YoY) | 177.90% | 39.14% | 21.48% | 31.90% | -5.93% | -18,384 bps | |
| Share Growth (YoY) | 121.75% | 53.22% | 19.52% | 20.14% | -12.84% | -13,459 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 10.10% | 22.06% | 14.94% | 34.75% | 37.39% | +2,729 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.98% | 7.90% | 5.45% | 10.75% | 10.22% | +723 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 | 91.62% | 90.23% | 82.34% | 93.48% | 98.88% | +726 bps | |
| Liquid Assets / Assets | 9.17% | 9.15% | 7.25% | 5.78% | 6.48% | -269 bps | |