Madison, AL · Charter 20395
Q2 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 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.38% | 4.54% | 4.01% | 4.20% | 4.47% | +9 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) | 13.59% | 22.67% | 15.26% | 24.11% | 22.23% | +865 bps | |
| Loan Growth (YoY) | 28.66% | 28.92% | 31.12% | 38.71% | 26.15% | -252 bps | |
| Share Growth (YoY) | 9.88% | 15.03% | 13.31% | 23.38% | 21.07% | +1,119 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.18% | 2.42% | 2.77% | 2.08% | 1.47% | -71 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.22% | 1.25% | 1.14% | 1.04% | 1.11% | -11 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 | 92.80% | 105.05% | 98.60% | 105.81% | 96.69% | +389 bps | |
| Liquid Assets / Assets | 4.51% | 4.44% | 5.33% | 0.55% | 7.97% | +346 bps | |