Charlotte, NC · Charter 60607
Q2 1997
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1997, the quarter ended June 30, 1997, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Charlotte, NC · Charter 60607
Q2 1997
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.29% | 3.65% | 4.03% | 1.08% | 1.97% | -132 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 | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | n/a | n/a | 30.89% | 17.10% | 11.35% | n/a | |
| Loan Growth (YoY) | n/a | n/a | 56.96% | 56.65% | 29.86% | n/a | |
| Share Growth (YoY) | n/a | n/a | 27.67% | 21.70% | 19.03% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.78% | 2.67% | 3.69% | 5.13% | 3.43% | +265 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.70% | 0.68% | 0.57% | 3.24% | 2.11% | +141 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 | 76.22% | 88.55% | 80.58% | 88.51% | 83.15% | +693 bps | |
| Liquid Assets / Assets | 15.05% | 3.75% | 5.13% | 6.10% | 6.00% | -905 bps | |