PackageTrendsPeer
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P & C

Charlotte, NC · Charter 63129

Q4 1997

$1.9MAssets
$1.8MLoans
$1.5MShares
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 4.64%, down 18 bps year over year.
  • Asset quality: problem loans at 0.61% of loans (-44 bps YoY).
  • Funding: loans stand at 117.69% of shares as of Q4 1997.

Financial Results

Return on Assets (quarter, annualized)

4.64%-18 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 Assets4.82%5.20%5.11%4.70%4.64%-18 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/a3.02%-8.01%-4.76%-5.02%n/a
Loan Growth (YoY)n/a7.93%-4.61%2.07%-5.34%n/a
Share Growth (YoY)n/a-0.71%-10.41%-8.68%-9.09%n/a
Asset Quality
Delinquent Loans / Loans1.05%0.75%0.22%0.56%0.61%-44 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.72%0.77%0.65%0.62%0.92%+20 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 / Shares113.03%109.70%117.03%117.67%117.69%+466 bps
Liquid Assets / Assets2.71%8.57%3.14%5.05%3.38%+67 bps