PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Atco Star

Marble, NC · Charter 63640

Q4 1998

$438KAssets
$196KLoans
$329KShares
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 4.93%, down 65 bps year over year.
  • Asset quality: problem loans at 1.58% of loans (-38 bps YoY).
  • Funding: loans stand at 59.72% of shares as of Q4 1998.

Financial Results

Return on Assets (quarter, annualized)

4.93%-65 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1996Q2 1997Q4 1997Q2 1998Q4 1998YoY ΔTrend
Earnings
Return on Assets5.59%4.18%4.57%3.85%4.93%-65 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)1.63%6.50%2.75%4.72%-7.92%-955 bps
Loan Growth (YoY)16.12%25.95%-22.85%-15.23%-19.97%-3,609 bps
Share Growth (YoY)0.01%6.53%13.52%6.57%-10.91%-1,092 bps
Asset Quality
Delinquent Loans / Loans1.96%0.29%0.34%0.36%1.58%-38 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.19%1.09%1.28%1.13%0.83%-36 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 / Shares66.48%63.88%51.19%47.74%59.72%-676 bps
Liquid Assets / Assets39.96%48.18%58.15%54.01%51.17%+1,121 bps