PackageTrendsPeer
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NCNG Savings and CU

Fayetteville, NC · Charter 65588

Q2 1999

$3.0MAssets
$1.1MLoans
$2.7MShares
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 63 bps year over year.
  • Asset quality: problem loans at 0.65% of loans (-44 bps YoY).
  • Funding: loans stand at 41.61% of shares as of Q2 1999.

Financial Results

Return on Assets (quarter, annualized)

4.93%-63 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets5.56%5.79%5.48%5.32%4.93%-63 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)9.59%11.79%7.38%12.56%5.46%-413 bps
Loan Growth (YoY)-0.32%-3.78%-9.57%-13.28%-23.31%-2,300 bps
Share Growth (YoY)6.82%9.52%5.47%11.54%8.04%+123 bps
Asset Quality
Delinquent Loans / Loans1.09%0.36%0.64%1.86%0.65%-44 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.43%1.34%0.97%1.09%0.54%-89 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 / Shares58.63%56.42%55.87%50.72%41.61%-1,701 bps
Liquid Assets / Assets44.68%45.85%47.39%50.68%58.32%+1,365 bps