Charlotte, NC · Charter 61780
Q4 1997
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1997, the quarter ended December 31, 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 61780
Q4 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 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.72% | 3.69% | 3.70% | -0.44% | 1.94% | -278 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 | -9.56% | -10.03% | 3.42% | 9.58% | n/a | |
| Loan Growth (YoY) | n/a | -9.93% | -16.59% | -14.02% | -9.12% | n/a | |
| Share Growth (YoY) | n/a | -11.71% | -12.03% | 5.62% | 13.31% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.27% | 3.87% | 1.63% | 2.93% | 2.57% | -71 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.82% | 1.76% | 1.58% | 3.17% | 1.57% | -25 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 | 93.54% | 84.36% | 81.33% | 83.78% | 75.03% | -1,851 bps | |
| Liquid Assets / Assets | 11.93% | 19.17% | 22.86% | 20.43% | 24.37% | +1,244 bps | |