Newark, DE · Charter 20803
Q4 1998
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 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.53% | 1.76% | 2.10% | 1.91% | 1.85% | -67 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) | 0.71% | 1.91% | -4.62% | -5.04% | 2.31% | +160 bps | |
| Loan Growth (YoY) | -11.57% | -28.61% | -9.33% | -5.28% | -2.13% | +945 bps | |
| Share Growth (YoY) | 0.42% | 1.76% | -6.31% | -5.29% | 3.45% | +304 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.37% | 0.89% | 0.67% | 0.79% | 0.72% | +35 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.56% | 1.74% | 1.30% | 1.19% | 1.10% | -46 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 | 60.48% | 51.22% | 66.40% | 57.25% | 57.22% | -326 bps | |
| Liquid Assets / Assets | 41.99% | 46.51% | 28.29% | 36.01% | 41.46% | -53 bps | |