Thomasville, NC · Charter 63212
Q4 1998
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 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 5.01% | 2.31% | 3.69% | 3.57% | 3.15% | -186 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 | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -2.16% | -1.78% | 3.61% | 1.33% | 14.39% | +1,655 bps | |
| Loan Growth (YoY) | 16.71% | -7.77% | 9.26% | -1.50% | -10.64% | -2,735 bps | |
| Share Growth (YoY) | -6.80% | -4.52% | -0.38% | -1.82% | 14.21% | +2,102 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.51% | 5.41% | 1.73% | 5.41% | 6.39% | +187 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.04% | 5.24% | 2.54% | 1.71% | 2.52% | -152 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 | 89.57% | 65.56% | 85.36% | 76.60% | 70.08% | -1,949 bps | |
| Liquid Assets / Assets | 16.91% | 15.28% | 16.40% | 15.79% | 16.55% | -36 bps | |