PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

S P E C

Honea Path, SC · Charter 22184

Q2 1999

$1.4MAssets
$1.2MLoans
$1.0MShares
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 2.75%, down 236 bps year over year.
  • Asset quality: problem loans at 1.56% of loans (+140 bps YoY).
  • Funding: loans stand at 115.89% of shares as of Q2 1999.

Financial Results

Return on Assets (quarter, annualized)

2.75%-236 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets5.12%5.47%4.90%5.04%2.75%-236 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)11.81%5.89%9.58%9.48%3.77%-805 bps
Loan Growth (YoY)1.70%6.15%13.37%34.55%27.47%+2,578 bps
Share Growth (YoY)8.03%0.92%6.31%2.16%1.35%-668 bps
Asset Quality
Delinquent Loans / Loans0.16%1.53%2.13%2.72%1.56%+140 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.56%1.94%1.19%1.12%1.25%-31 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 / Shares92.14%125.96%101.32%140.04%115.89%+2,375 bps
Liquid Assets / Assets17.23%5.79%14.94%0.54%5.30%-1,193 bps