Asheville, NC · Charter 63699
Q2 1999
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 5.63% | 5.65% | 3.18% | 2.35% | 1.59% | -404 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) | -16.75% | -16.17% | -26.43% | -24.26% | -20.50% | -375 bps | |
| Loan Growth (YoY) | -13.84% | -16.72% | -34.15% | -27.85% | -30.56% | -1,673 bps | |
| Share Growth (YoY) | -18.72% | -22.23% | -31.24% | -29.96% | -24.34% | -563 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.67% | 5.53% | 4.09% | 15.20% | 20.32% | +1,965 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.38% | 1.43% | 0.33% | 3.49% | 3.54% | +216 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 | 121.25% | 124.57% | 107.59% | 106.73% | 111.28% | -997 bps | |
| Liquid Assets / Assets | 0.00% | 1.13% | 0.00% | 1.44% | 6.89% | +689 bps | |