PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Greater Piedmont

Durham, NC · Charter 22765

Q4 1996

$8.2MAssets
$6.0MLoans
$7.2MShares
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 3.87%, up 9 bps year over year.
  • Asset quality: problem loans at 1.59% of loans (-134 bps YoY).
  • Funding: loans stand at 83.12% of shares as of Q4 1996.

Financial Results

Return on Assets (YTD, annualized)

3.87%+9 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.

MetricQ4 1994Q2 1995Q4 1995Q2 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets3.78%3.89%4.42%4.04%3.87%+9 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)n/an/an/a14.79%15.58%n/a
Loan Growth (YoY)n/an/an/a40.15%29.95%n/a
Share Growth (YoY)n/an/an/a12.23%11.75%n/a
Asset Quality
Delinquent Loans / Loans2.92%2.87%3.99%3.15%1.59%-134 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.64%2.63%2.59%2.42%2.12%-52 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 / Shares71.48%66.00%74.34%73.16%83.12%+1,164 bps
Liquid Assets / Assets20.32%24.76%19.18%21.09%14.19%-613 bps