PackageTrendsPeer
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Associated

Atlanta, GA · Charter 60108

Q3 1997

$70.3MAssets
$43.3MLoans
$62.5MShares
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 3.56%.
  • Asset quality: problem loans at 1.02% of loans (+19 bps YoY).
  • Funding: loans stand at 69.34% of shares as of Q3 1997.

Financial Results

Return on Assets (quarter, annualized)

3.56%

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ3 1996Q4 1996Q1 1997Q2 1997Q3 1997YoY ΔTrend
Earnings
Return on Assetsn/a3.91%3.93%3.72%3.56%n/a
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)11.52%6.83%3.47%1.47%1.51%-1,000 bps
Loan Growth (YoY)2.24%1.19%-0.75%-1.39%-2.30%-454 bps
Share Growth (YoY)11.22%6.29%3.03%0.98%1.06%-1,015 bps
Asset Quality
Delinquent Loans / Loans0.83%0.80%0.94%0.77%1.02%+19 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.20%1.01%1.07%1.01%1.00%-20 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 / Shares71.73%73.30%68.77%69.32%69.34%-239 bps
Liquid Assets / Assets22.21%19.98%31.42%32.31%32.33%+1,012 bps