PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Fredrickson Employees

Charlotte, NC · Charter 63119

Q4 1997

$434KAssets
$385KLoans
$339KShares
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 1.32%, down 316 bps year over year.
  • Asset quality: problem loans at 1.57% of loans (-439 bps YoY).
  • Funding: loans stand at 113.79% of shares as of Q4 1997.

Financial Results

Return on Assets (YTD, annualized)

1.32%-316 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 1995Q2 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets4.48%4.02%2.84%2.21%1.32%-316 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-21.64%-27.48%-40.91%-47.54%n/a
Loan Growth (YoY)n/a-5.02%-15.91%-35.07%-51.21%n/a
Share Growth (YoY)n/a-25.31%-30.15%-48.01%-52.14%n/a
Asset Quality
Delinquent Loans / Loans5.96%4.97%8.17%4.10%1.57%-439 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans5.15%2.78%3.74%1.93%2.07%-308 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 / Shares111.61%98.51%104.86%116.06%113.79%+218 bps
Liquid Assets / Assets0.53%6.72%4.61%0.01%1.66%+114 bps