PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Nationaline

Columbus, OH · Charter 61530

Q2 1998

$16KAssets
$8KLoans
$6KShares
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 0.23%, down 142 bps year over year.
  • Asset quality: problem loans at 12.95% of loans (+1,295 bps YoY).
  • Funding: loans stand at 143.15% of shares as of Q2 1998.

Financial Results

Return on Assets (YTD, annualized)

0.23%-142 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1996Q4 1996Q2 1997Q4 1997Q2 1998YoY ΔTrend
Earnings
Return on Assets1.65%2.74%0.49%0.24%0.23%-142 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)2.99%-28.95%-65.62%-64.73%-66.80%-6,979 bps
Loan Growth (YoY)-22.40%-9.73%-58.22%-53.25%-50.62%-2,822 bps
Share Growth (YoY)4.53%-38.64%-84.44%-83.85%-85.07%-8,960 bps
Asset Quality
Delinquent Loans / Loans0.00%6.93%0.00%12.95%12.95%+1,295 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.74%1.89%3.53%3.53%3.53%+179 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 / Shares43.29%76.71%143.15%143.15%143.15%+9,987 bps
Liquid Assets / Assets34.91%29.43%32.30%32.30%32.30%-260 bps