PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

GSC

Glenville, WV · Charter 22651

Q2 1999

$110KAssets
$33KLoans
$93KShares
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 4.84%, up 201 bps year over year.
  • Asset quality: problem loans at 2.28% of loans (+228 bps YoY).
  • Funding: loans stand at 34.91% of shares as of Q2 1999.

Financial Results

Return on Assets (YTD, annualized)

4.84%+201 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 Assets2.83%5.04%3.24%3.02%4.84%+201 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)2.31%-9.43%-16.44%-18.20%-21.99%-2,430 bps
Loan Growth (YoY)0.84%-6.81%11.88%40.74%23.39%+2,255 bps
Share Growth (YoY)0.32%-13.79%-20.49%-21.66%-26.88%-2,720 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.55%2.28%+228 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.83%0.88%0.65%1.63%1.90%+107 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 / Shares20.68%24.57%35.02%39.43%34.91%+1,422 bps
Liquid Assets / Assets72.57%69.67%60.59%62.23%61.27%-1,130 bps