PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Carolina Cooperative

Charlotte, NC · Charter 20771

Q2 1999

$15.9MAssets
$11.5MLoans
$14.6MShares
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 4.39%, down 10 bps year over year.
  • Asset quality: problem loans at 0.08% of loans (+7 bps YoY).
  • Funding: loans stand at 78.90% of shares as of Q2 1999.

Financial Results

Return on Assets (YTD, annualized)

4.39%-10 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 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets4.50%4.60%4.70%4.80%4.39%-10 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)22.82%24.37%22.38%21.56%22.56%-26 bps
Loan Growth (YoY)18.39%20.80%23.74%23.99%21.65%+326 bps
Share Growth (YoY)22.05%24.10%22.05%21.20%22.84%+79 bps
Asset Quality
Delinquent Loans / Loans0.02%0.07%0.03%0.06%0.08%+7 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.36%0.34%0.26%0.27%0.26%-10 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 / Shares79.68%84.31%82.26%85.59%78.90%-77 bps
Liquid Assets / Assets17.99%8.47%9.25%10.43%15.14%-285 bps