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Carolina Medicredit

Winston-Salem, NC · Charter 60756

Q4 1998

$20.9MAssets
$17.4MLoans
$18.3MShares
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 4.09%, down 91 bps year over year.
  • Asset quality: problem loans at 0.39% of loans (-31 bps YoY).
  • Funding: loans stand at 95.13% of shares as of Q4 1998.

Financial Results

Return on Assets (quarter, annualized)

4.09%-91 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1996Q2 1997Q4 1997Q2 1998Q4 1998YoY ΔTrend
Earnings
Return on Assets5.01%4.65%4.52%4.20%4.09%-91 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)16.46%18.20%10.59%15.90%17.44%+98 bps
Loan Growth (YoY)27.88%17.61%10.17%7.31%10.16%-1,772 bps
Share Growth (YoY)15.14%17.21%8.81%15.26%18.20%+306 bps
Asset Quality
Delinquent Loans / Loans0.70%0.74%0.89%0.68%0.39%-31 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.53%0.59%0.49%0.53%0.32%-21 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 / Shares102.07%94.58%90.93%82.63%95.13%-695 bps
Liquid Assets / Assets8.01%15.88%17.93%25.34%13.76%+576 bps