Richmond, VA · Charter 15434
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 | 3.42% | -10.34% | -6.39% | 1.89% | 2.19% | -123 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) | -35.92% | -50.91% | -42.05% | -31.68% | -39.66% | -374 bps | |
| Loan Growth (YoY) | -39.66% | -60.24% | -59.65% | -68.80% | -74.07% | -3,440 bps | |
| Share Growth (YoY) | -28.71% | -40.99% | -42.45% | -29.73% | -38.08% | -937 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 27.50% | 20.70% | 7.24% | 9.43% | 11.90% | -1,560 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.82% | 10.54% | 9.32% | 14.65% | 13.91% | +808 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 | 102.63% | 87.04% | 75.43% | 51.44% | 42.99% | -5,964 bps | |
| Liquid Assets / Assets | 0.00% | 1.69% | 1.28% | 44.17% | 32.86% | +3,286 bps | |