PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Charlotte Observer Employees

Charlotte, NC · Charter 60607

Q2 1997

$8.2MAssets
$6.7MLoans
$8.0MShares
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 1.97%, down 132 bps year over year.
  • Asset quality: problem loans at 3.43% of loans (+265 bps YoY).
  • Funding: loans stand at 83.15% of shares as of Q2 1997.

Financial Results

Return on Assets (quarter, annualized)

1.97%-132 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets3.29%3.65%4.03%1.08%1.97%-132 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/a30.89%17.10%11.35%n/a
Loan Growth (YoY)n/an/a56.96%56.65%29.86%n/a
Share Growth (YoY)n/an/a27.67%21.70%19.03%n/a
Asset Quality
Delinquent Loans / Loans0.78%2.67%3.69%5.13%3.43%+265 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.70%0.68%0.57%3.24%2.11%+141 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 / Shares76.22%88.55%80.58%88.51%83.15%+693 bps
Liquid Assets / Assets15.05%3.75%5.13%6.10%6.00%-905 bps