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Detroit New Calvary Baptist Church

Detroit, MI · Charter 62235

Q4 1997

$711KAssets
$425KLoans
$616KShares
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 1.08%, down 121 bps year over year.
  • Asset quality: problem loans at 16.09% of loans (+1,184 bps YoY).
  • Funding: loans stand at 68.97% of shares as of Q4 1997.

Financial Results

Return on Assets (quarter, annualized)

1.08%-121 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 Assets2.29%-0.25%-0.37%1.56%1.08%-121 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-13.58%-1.46%-15.42%-25.82%n/a
Loan Growth (YoY)n/a26.58%7.08%-22.89%-33.14%n/a
Share Growth (YoY)n/a-14.34%1.56%-16.79%-22.89%n/a
Asset Quality
Delinquent Loans / Loans4.25%7.88%15.79%17.25%16.09%+1,184 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.37%2.78%3.82%4.94%0.24%-213 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 / Shares79.55%85.81%80.26%66.00%68.97%-1,058 bps
Liquid Assets / Assets22.31%18.87%20.12%26.17%29.39%+708 bps