PackageTrendsPeer
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Baltimore Progressive

Baltimore, MD · Charter 23587

Q4 1996

$776KAssets
$790KLoans
$739KShares
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 -17.94%, down 1,971 bps year over year.
  • Asset quality: problem loans at 36.54% of loans (+2,421 bps YoY).
  • Funding: loans stand at 106.98% of shares as of Q4 1996.

Financial Results

Return on Assets (quarter, annualized)

-17.94%-1,971 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1994Q2 1995Q4 1995Q2 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets1.78%3.69%2.12%1.08%-17.94%-1,971 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/a261%143.94%n/a
Loan Growth (YoY)n/an/an/a648%277%n/a
Share Growth (YoY)n/an/an/a279%138.98%n/a
Asset Quality
Delinquent Loans / Loans12.33%7.50%6.12%17.71%36.54%+2,421 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans6.54%3.71%5.02%7.46%25.56%+1,902 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 / Shares67.80%58.91%86.06%77.02%106.98%+3,919 bps
Liquid Assets / Assets10.62%41.87%11.09%8.36%10.48%-14 bps