Erlanger, KY · Charter 62596
Q4 1999
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 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.37% | 2.94% | 2.74% | 1.49% | 0.28% | -309 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 | 4.97% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 94.30% | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -7.99% | -11.97% | -14.74% | -17.02% | -14.58% | -659 bps | |
| Loan Growth (YoY) | -28.25% | -22.49% | -31.63% | -38.93% | -41.32% | -1,307 bps | |
| Share Growth (YoY) | -10.13% | -15.00% | -17.56% | -20.24% | -16.94% | -681 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.99% | 16.70% | 4.53% | 5.04% | +504 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.86% | 1.97% | 2.41% | 3.04% | 3.18% | +131 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 | 60.21% | 59.72% | 52.79% | 42.78% | 42.54% | -1,767 bps | |
| Liquid Assets / Assets | 44.86% | 47.40% | 52.15% | 58.63% | 57.00% | +1,215 bps | |