PackageTrendsPeer
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Delmar Crown Point Fed. CU

Charlotte, NC · Charter 61780

Q4 1997

$2.7MAssets
$1.9MLoans
$2.5MShares
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 1.94%, down 278 bps year over year.
  • Asset quality: problem loans at 2.57% of loans (-71 bps YoY).
  • Funding: loans stand at 75.03% of shares as of Q4 1997.

Financial Results

Return on Assets (quarter, annualized)

1.94%-278 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1995Q2 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets4.72%3.69%3.70%-0.44%1.94%-278 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/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 / Loans3.27%3.87%1.63%2.93%2.57%-71 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.82%1.76%1.58%3.17%1.57%-25 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 / Shares93.54%84.36%81.33%83.78%75.03%-1,851 bps
Liquid Assets / Assets11.93%19.17%22.86%20.43%24.37%+1,244 bps