Gastonia, NC · Charter 19995
Q2 1999
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.68% | 4.24% | 1.77% | 5.16% | 1.46% | -122 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) | -25.90% | -36.38% | -35.39% | 0.71% | 42.94% | +6,884 bps | |
| Loan Growth (YoY) | -14.68% | -1.79% | -36.20% | -27.31% | -46.87% | -3,219 bps | |
| Share Growth (YoY) | -29.12% | -43.07% | -41.20% | -1.89% | 60.68% | +8,980 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 39.38% | 17.11% | 26.81% | 14.64% | 16.65% | -2,272 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 7.93% | 8.42% | 1.53% | 1.30% | 5.99% | -194 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 | 139.39% | 145.53% | 102.64% | 87.31% | 46.09% | -9,330 bps | |
| Liquid Assets / Assets | 1.79% | 0.69% | 1.83% | 1.65% | 1.37% | -42 bps | |