Baltimore, MD · Charter 16634
Q2 1999
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 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.20% | -0.38% | -1.14% | -0.51% | -0.63% | -182 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) | -33.05% | -22.61% | -20.81% | -27.86% | -40.70% | -766 bps | |
| Loan Growth (YoY) | -42.15% | -50.88% | -46.96% | -37.90% | -63.65% | -2,150 bps | |
| Share Growth (YoY) | -31.34% | -15.91% | -16.69% | -24.55% | -39.05% | -771 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 12.70% | 11.21% | 10.96% | 16.47% | 18.22% | +553 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 12.25% | 11.19% | 13.41% | 16.85% | 17.23% | +498 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 | 32.26% | 41.33% | 24.98% | 46.76% | 19.24% | -1,302 bps | |
| Liquid Assets / Assets | 59.68% | 54.25% | 69.25% | 41.99% | 49.15% | -1,052 bps | |