PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

WS/Edl

Wilmington, DE · Charter 17217

Q4 1998

$5.5MAssets
$3.3MLoans
$4.9MShares
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 3.54%, down 20 bps year over year.
  • Asset quality: problem loans at 1.60% of loans (+4 bps YoY).
  • Funding: loans stand at 67.41% of shares as of Q4 1998.

Financial Results

Return on Assets (YTD, annualized)

3.54%-20 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ4 1996Q2 1997Q4 1997Q2 1998Q4 1998YoY ΔTrend
Earnings
Return on Assets3.74%3.21%3.25%3.39%3.54%-20 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)-9.48%-1.49%-3.65%3.52%5.73%+1,521 bps
Loan Growth (YoY)6.75%9.60%8.18%1.29%-12.72%-1,947 bps
Share Growth (YoY)-9.60%-2.58%-4.75%2.84%5.05%+1,465 bps
Asset Quality
Delinquent Loans / Loans1.56%1.10%1.20%0.67%1.60%+4 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.27%0.93%1.08%1.03%0.86%-41 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 / Shares81.14%77.93%78.54%71.46%67.41%-1,373 bps
Liquid Assets / Assets12.64%12.01%16.13%20.98%23.85%+1,120 bps