Gainesville, FL · Charter 171
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 1997 | Q1 1998 | Q2 1998 | Q3 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.69% | 4.69% | 4.97% | 4.78% | 4.50% | -19 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) | 14.85% | 8.93% | 5.83% | 6.45% | 14.50% | -35 bps | |
| Loan Growth (YoY) | 14.56% | 13.95% | 13.15% | 10.48% | 9.18% | -538 bps | |
| Share Growth (YoY) | 14.28% | 8.26% | 4.76% | 5.45% | 15.26% | +98 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.88% | 0.46% | 0.46% | 0.63% | 0.76% | -12 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.24% | 1.25% | 1.25% | 1.22% | 1.21% | -3 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 | 92.80% | 90.06% | 97.00% | 92.24% | 87.90% | -490 bps | |
| Liquid Assets / Assets | 13.18% | 13.66% | 9.11% | 13.42% | 17.06% | +388 bps | |