Walbridge, OH · Charter 4021
Q4 1999
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 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.87% | 0.74% | 1.40% | 1.86% | -3.74% | -661 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 | 0.59% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 749% | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -14.26% | -6.85% | -6.07% | -1.05% | -7.47% | +679 bps | |
| Loan Growth (YoY) | 11.97% | -4.08% | -13.02% | -18.02% | -28.77% | -4,075 bps | |
| Share Growth (YoY) | -18.99% | -8.66% | -7.19% | -0.05% | -3.69% | +1,529 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.85% | 0.00% | 0.20% | 0.20% | 0.00% | -385 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.45% | 0.18% | 0.53% | 1.08% | 1.21% | -24 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 | 78.19% | 67.86% | 69.22% | 66.09% | 57.83% | -2,036 bps | |
| Liquid Assets / Assets | 20.33% | 42.67% | 42.70% | 41.84% | 21.35% | +102 bps | |