PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

M D and F Employees

Morganton, NC · Charter 17852

Q2 1997

$515KAssets
$315KLoans
$375KShares
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 2.70%, down 117 bps year over year.
  • Asset quality: problem loans at 7.14% of loans (+692 bps YoY).
  • Funding: loans stand at 83.98% of shares as of Q2 1997.

Financial Results

Return on Assets (YTD, annualized)

2.70%-117 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.

MetricQ2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets3.87%4.02%3.82%3.80%2.70%-117 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)n/an/a-34.58%-40.80%-42.24%n/a
Loan Growth (YoY)n/an/a-17.78%-34.48%-39.24%n/a
Share Growth (YoY)n/an/a-41.12%-48.88%-50.62%n/a
Asset Quality
Delinquent Loans / Loans0.22%0.18%0.35%7.37%7.14%+692 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.87%1.01%1.10%1.13%0.42%-45 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 / Shares68.25%69.45%74.20%82.22%83.98%+1,573 bps
Liquid Assets / Assets39.99%36.56%38.24%32.98%36.01%-398 bps