PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

South Carolina Elect Coop Empl

Cayce, SC · Charter 60835

Q2 1999

$6.6MAssets
$4.8MLoans
$5.4MShares
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 4.69%, up 46 bps year over year.
  • Asset quality: problem loans at 0.74% of loans (+12 bps YoY).
  • Funding: loans stand at 89.16% of shares as of Q2 1999.

Financial Results

Return on Assets (quarter, annualized)

4.69%+46 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets4.23%4.74%4.28%4.45%4.69%+46 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)7.97%8.65%1.85%5.83%7.87%-10 bps
Loan Growth (YoY)-10.87%-9.41%3.37%7.56%7.67%+1,855 bps
Share Growth (YoY)5.78%6.59%-0.86%3.62%6.48%+70 bps
Asset Quality
Delinquent Loans / Loans0.62%0.04%1.29%1.49%0.74%+12 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.97%0.66%0.71%0.72%0.65%-32 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 / Shares88.17%96.42%98.01%96.84%89.16%+99 bps
Liquid Assets / Assets27.72%20.98%17.99%19.28%25.07%-266 bps