PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Greater Southeast Healthcare System

Washington, DC · Charter 20005

Q4 1998

$3.2MAssets
$1.3MLoans
$2.1MShares
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 -1.54%, down 654 bps year over year.
  • Asset quality: problem loans at 9.40% of loans (+198 bps YoY).
  • Funding: loans stand at 62.08% of shares as of Q4 1998.

Financial Results

Return on Assets (YTD, annualized)

-1.54%-654 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 Assets5.00%2.27%1.12%-0.82%-1.54%-654 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)-14.87%3.01%39.03%40.62%57.97%+7,284 bps
Loan Growth (YoY)-7.99%-22.13%-27.26%-28.60%-37.44%-2,944 bps
Share Growth (YoY)-27.49%4.82%10.09%13.56%52.31%+7,980 bps
Asset Quality
Delinquent Loans / Loans7.42%13.43%10.50%8.28%9.40%+198 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.45%2.99%3.57%4.17%7.76%+531 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 / Shares151.12%70.66%81.81%64.48%62.08%-8,904 bps
Liquid Assets / Assets0.09%0.06%16.66%29.59%21.25%+2,117 bps