PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Orion-Oxford Community

Lake Orion, MI · Charter 62083

Q4 1998

$6.3MAssets
$2.6MLoans
$5.6MShares
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 3.54%, down 38 bps year over year.
  • Asset quality: problem loans at 1.60% of loans (-27 bps YoY).
  • Funding: loans stand at 47.04% of shares as of Q4 1998.

Financial Results

Return on Assets (YTD, annualized)

3.54%-38 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.

MetricQ4 1996Q2 1997Q4 1997Q2 1998Q4 1998YoY ΔTrend
Earnings
Return on Assets3.92%3.99%3.87%3.97%3.54%-38 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)2.06%2.62%7.39%12.45%30.89%+2,883 bps
Loan Growth (YoY)1.09%3.00%9.04%4.06%0.42%-67 bps
Share Growth (YoY)-0.72%0.01%5.57%10.96%32.12%+3,284 bps
Asset Quality
Delinquent Loans / Loans1.86%2.06%0.91%2.55%1.60%-27 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.23%1.13%0.96%1.23%0.89%-33 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 / Shares61.88%63.99%65.52%55.05%47.04%-1,485 bps
Liquid Assets / Assets24.95%30.70%28.50%42.29%46.72%+2,177 bps