Port Huron, MI · Charter 61984
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.
Port Huron, MI · Charter 61984
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 | 3.11% | -0.88% | -2.92% | 0.13% | 3.72% | +61 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 | -14.98% | -16.39% | -8.28% | -6.94% | n/a | |
| Loan Growth (YoY) | n/a | -15.76% | -16.20% | -12.10% | -22.94% | n/a | |
| Share Growth (YoY) | n/a | -18.56% | -15.45% | -2.56% | -1.50% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.05% | 12.92% | 19.37% | 16.80% | 2.83% | -523 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.71% | 4.31% | 10.54% | 7.02% | 4.92% | +321 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 | 86.35% | 75.24% | 76.45% | 75.88% | 67.56% | -1,879 bps | |
| Liquid Assets / Assets | 18.89% | 35.69% | 36.17% | 36.68% | 43.95% | +2,506 bps | |