PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Vamc Employees

Lexington, KY · Charter 62549

Q2 1998

$2.1MAssets
$1.2MLoans
$1.8MShares
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 1.20%, down 181 bps year over year.
  • Asset quality: problem loans at 0.69% of loans (+25 bps YoY).
  • Funding: loans stand at 67.81% of shares as of Q2 1998.

Financial Results

Return on Assets (YTD, annualized)

1.20%-181 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.

MetricQ2 1996Q4 1996Q2 1997Q4 1997Q2 1998YoY ΔTrend
Earnings
Return on Assets3.01%3.18%3.13%3.05%1.20%-181 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)-11.91%-7.63%-5.46%1.53%-5.15%+677 bps
Loan Growth (YoY)-3.11%-7.93%-20.13%-22.26%-24.24%-2,112 bps
Share Growth (YoY)-15.19%-10.29%-7.58%0.04%0.02%+1,521 bps
Asset Quality
Delinquent Loans / Loans0.44%1.10%0.21%0.29%0.69%+25 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.86%1.03%1.14%0.96%0.93%+6 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 / Shares89.52%95.11%80.20%75.19%67.81%-2,171 bps
Liquid Assets / Assets16.56%13.42%29.70%34.23%37.78%+2,122 bps