PackageTrendsPeer
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Atlanta Penitentiary

Atlanta, GA · Charter 5034

Q4 1998

$7.5MAssets
$5.4MLoans
$7.0MShares
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 1.91%, down 184 bps year over year.
  • Asset quality: problem loans at 8.87% of loans (+690 bps YoY).
  • Funding: loans stand at 77.55% of shares as of Q4 1998.

Financial Results

Return on Assets (YTD, annualized)

1.91%-184 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 1996Q2 1997Q4 1997Q2 1998Q4 1998YoY ΔTrend
Earnings
Return on Assets3.75%4.21%3.31%1.48%1.91%-184 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)20.32%16.62%8.12%-6.04%-22.68%-4,300 bps
Loan Growth (YoY)65.40%31.94%7.78%-15.24%-36.01%-10,142 bps
Share Growth (YoY)21.38%27.57%9.99%-1.74%-16.43%-3,780 bps
Asset Quality
Delinquent Loans / Loans1.97%5.33%6.18%8.09%8.87%+690 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.66%0.66%1.64%2.34%1.92%+126 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 / Shares101.29%91.66%86.62%80.15%77.55%-2,374 bps
Liquid Assets / Assets2.18%7.56%12.14%18.63%21.33%+1,914 bps