Greensboro, NC · Charter 63593
Q4 1997
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 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 5.10% | -12.48% | -12.06% | -3.88% | -3.04% | -814 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) | n/a | -11.81% | -26.70% | -33.50% | -38.49% | n/a | |
| Loan Growth (YoY) | n/a | -13.66% | -27.66% | -46.32% | -60.06% | n/a | |
| Share Growth (YoY) | n/a | -8.06% | -16.60% | -17.82% | -24.17% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 17.96% | 28.99% | 29.37% | 5.31% | 17.43% | -54 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.23% | 7.91% | 18.02% | 5.92% | 13.48% | +1,125 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 | 145.77% | 136.60% | 126.75% | 95.37% | 76.78% | -6,899 bps | |
| Liquid Assets / Assets | 6.67% | 6.45% | 7.86% | 10.29% | 10.19% | +353 bps | |