St. Albans, VT · Charter 65176
Q4 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1998, the quarter ended December 31, 1998, 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.
St. Albans, VT · Charter 65176
Q4 1998
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 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.95% | 3.57% | 4.03% | 4.14% | 4.33% | +38 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) | 2.53% | -2.90% | -9.86% | 0.24% | -4.76% | -729 bps | |
| Loan Growth (YoY) | -0.58% | 4.11% | 8.36% | 15.24% | -12.45% | -1,187 bps | |
| Share Growth (YoY) | -1.17% | -5.28% | -14.27% | -3.04% | -8.56% | -738 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.58% | 1.64% | 1.41% | 1.85% | 5.12% | +354 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.20% | 0.91% | 0.84% | 0.66% | 2.04% | +84 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 | 89.34% | 87.42% | 103.33% | 85.22% | 85.54% | -380 bps | |
| Liquid Assets / Assets | 16.06% | 16.05% | 9.90% | 9.16% | 10.73% | -533 bps | |