Randolph Cen., VT · Charter 64895
Q4 1997
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1997, the quarter ended December 31, 1997, 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.
Randolph Cen., VT · Charter 64895
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 | 2.68% | 4.14% | 2.98% | -2.59% | -2.81% | -549 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 | 7.80% | 16.32% | 4.84% | 5.56% | n/a | |
| Loan Growth (YoY) | n/a | 3.77% | 9.59% | 1.70% | -0.30% | n/a | |
| Share Growth (YoY) | n/a | 8.48% | 11.12% | 10.97% | 12.13% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.97% | 8.08% | 15.52% | 6.05% | 7.09% | -188 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.27% | 4.15% | 4.68% | 3.84% | 5.84% | +157 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 | 115.33% | 108.07% | 113.32% | 98.34% | 102.55% | -1,278 bps | |
| Liquid Assets / Assets | 0.87% | 0.81% | 0.52% | 7.57% | 6.75% | +588 bps | |