Spartanburg, SC · Charter 19743
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 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.48% | 4.12% | 3.24% | 4.29% | 1.38% | -109 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) | -18.01% | -29.33% | -27.25% | -41.69% | -39.23% | -2,121 bps | |
| Loan Growth (YoY) | -25.86% | -18.82% | -47.84% | -49.83% | -100.00% | -7,414 bps | |
| Share Growth (YoY) | -25.26% | -38.61% | -37.23% | -58.34% | -53.77% | -2,851 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.88% | 6.18% | 7.90% | 8.75% | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 6.59% | 7.07% | 9.03% | 10.01% | n/a | n/a | |
| 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 | 53.43% | 57.13% | 52.41% | 78.01% | 0.00% | -5,343 bps | |
| Liquid Assets / Assets | 45.61% | 50.88% | 58.04% | 42.62% | 0.06% | -4,556 bps | |