PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

A.A.F. Employees

Louisville, KY · Charter 62526

Q4 1998

$271KAssets
$103KLoans
$141KShares
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 3.57%, down 114 bps year over year.
  • Asset quality: problem loans at 50.24% of loans (+4,642 bps YoY).
  • Funding: loans stand at 72.89% of shares as of Q4 1998.

Financial Results

Return on Assets (quarter, annualized)

3.57%-114 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1996Q2 1997Q4 1997Q2 1998Q4 1998YoY ΔTrend
Earnings
Return on Assets4.71%4.13%4.27%2.93%3.57%-114 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)2.46%0.33%-10.78%-30.86%-50.26%-5,272 bps
Loan Growth (YoY)-5.15%-16.12%-17.61%-43.29%-53.00%-4,785 bps
Share Growth (YoY)0.79%-1.66%-14.71%-40.68%-65.78%-6,657 bps
Asset Quality
Delinquent Loans / Loans3.82%2.76%3.45%8.22%50.24%+4,642 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.49%4.31%5.28%6.07%4.17%+68 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 / Shares53.07%49.10%52.95%51.62%72.89%+1,982 bps
Liquid Assets / Assets49.26%62.79%62.35%65.72%57.98%+873 bps