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Lyntelco

Lynchburg, VA · Charter 15537

Q2 1998

$3.2MAssets
$2.7MLoans
$3.2MShares
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 -11.01%, down 1,573 bps year over year.
  • Asset quality: problem loans at 6.09% of loans (+326 bps YoY).
  • Funding: loans stand at 84.42% of shares as of Q2 1998.

Financial Results

Return on Assets (quarter, annualized)

-11.01%-1,573 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1996Q4 1996Q2 1997Q4 1997Q2 1998YoY ΔTrend
Earnings
Return on Assets4.72%3.81%3.24%0.31%-11.01%-1,573 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)6.55%3.84%-0.43%-4.52%-20.41%-2,696 bps
Loan Growth (YoY)18.57%6.00%2.74%-6.85%-22.13%-4,069 bps
Share Growth (YoY)9.28%19.52%12.13%13.92%-9.36%-1,864 bps
Asset Quality
Delinquent Loans / Loans2.83%4.72%0.82%5.53%6.09%+326 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.66%0.86%1.28%1.22%9.61%+895 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 / Shares98.27%94.05%94.29%86.96%84.42%-1,384 bps
Liquid Assets / Assets3.50%5.07%5.34%8.25%9.76%+626 bps