Skyland, NC · Charter 17297
Q2 1997
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 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.94% | 5.37% | 5.20% | 4.71% | 4.14% | +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) | n/a | n/a | -10.15% | -21.11% | -12.49% | n/a | |
| Loan Growth (YoY) | n/a | n/a | 22.23% | 15.07% | -18.28% | n/a | |
| Share Growth (YoY) | n/a | n/a | -16.62% | -28.85% | -19.02% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.61% | 1.86% | 2.67% | 3.78% | 4.50% | +289 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.17% | 1.15% | 1.38% | 3.38% | 1.55% | -62 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 | 97.95% | 123.08% | 118.70% | 119.83% | 98.85% | +90 bps | |
| Liquid Assets / Assets | 0.00% | 3.17% | 0.00% | 12.31% | 25.19% | +2,519 bps | |