Chesapeake, VA · Charter 66902
Q4 1998
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 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.54% | 3.13% | 3.48% | 2.75% | 2.47% | -207 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) | -13.85% | -8.47% | -11.75% | -8.70% | -18.13% | -428 bps | |
| Loan Growth (YoY) | -4.81% | -4.94% | -24.40% | -25.51% | -34.95% | -3,014 bps | |
| Share Growth (YoY) | -21.94% | -14.69% | -18.26% | -14.04% | -26.54% | -460 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.93% | 5.78% | 7.75% | 3.18% | 7.06% | +214 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.41% | 6.90% | 6.75% | 3.74% | 6.95% | +155 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 | 70.99% | 64.99% | 62.38% | 56.04% | 62.86% | -813 bps | |
| Liquid Assets / Assets | 48.27% | 52.61% | 56.53% | 59.21% | 58.93% | +1,067 bps | |