PackageTrendsPeer
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New Castle State Developmental Ctr

New Castle, IN · Charter 65748

Q4 1997

$1.7MAssets
$838KLoans
$1.4MShares
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 -0.94%, down 785 bps year over year.
  • Asset quality: problem loans at 0.40% of loans (+40 bps YoY).
  • Funding: loans stand at 60.29% of shares as of Q4 1997.

Financial Results

Return on Assets (YTD, annualized)

-0.94%-785 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ4 1995Q2 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets6.91%6.78%6.96%6.16%-0.94%-785 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)n/a4.15%6.63%10.12%9.44%n/a
Loan Growth (YoY)n/a28.20%14.06%1.33%-21.32%n/a
Share Growth (YoY)n/a-4.05%-1.74%2.87%19.01%n/a
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.18%0.56%0.40%+40 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.23%0.23%0.23%0.24%1.56%+133 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 / Shares91.20%87.82%91.54%85.02%60.29%-3,091 bps
Liquid Assets / Assets18.88%27.40%21.22%27.24%40.13%+2,126 bps