Charlotte, NC · Charter 63538
Q4 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1998, the quarter ended December 31, 1998, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Charlotte, NC · Charter 63538
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 | 5.00% | 5.07% | 3.79% | 0.41% | -3.75% | -876 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) | -13.01% | -10.53% | -13.19% | -12.06% | -4.95% | +807 bps | |
| Loan Growth (YoY) | 1.82% | -9.97% | -29.99% | -29.97% | -33.71% | -3,553 bps | |
| Share Growth (YoY) | -20.20% | -10.61% | -9.44% | -5.47% | 12.72% | +3,292 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.05% | 0.00% | 0.00% | 0.23% | +23 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.58% | 1.94% | 3.34% | 0.83% | 0.14% | -244 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 | 128.17% | 84.96% | 97.05% | 69.68% | 75.37% | -5,280 bps | |
| Liquid Assets / Assets | 6.76% | 15.73% | 0.00% | 0.00% | 0.00% | -676 bps | |