PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Southern Piedmont

Charlotte, NC · Charter 63538

Q4 1998

$1.4MAssets
$904KLoans
$1.2MShares
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 -3.75%, down 876 bps year over year.
  • Asset quality: problem loans at 0.23% of loans (+23 bps YoY).
  • Funding: loans stand at 75.37% of shares as of Q4 1998.

Financial Results

Return on Assets (YTD, annualized)

-3.75%-876 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 1996Q2 1997Q4 1997Q2 1998Q4 1998YoY ΔTrend
Earnings
Return on Assets5.00%5.07%3.79%0.41%-3.75%-876 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)-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 / Loans0.00%0.05%0.00%0.00%0.23%+23 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.58%1.94%3.34%0.83%0.14%-244 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 / Shares128.17%84.96%97.05%69.68%75.37%-5,280 bps
Liquid Assets / Assets6.76%15.73%0.00%0.00%0.00%-676 bps