PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Chessie-Newport News Credit Union

Newport News, VA · Charter 66910

Q2 1997

$4.7MAssets
$4.0MLoans
$4.2MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 3.31%, down 93 bps year over year.
  • Asset quality: problem loans at 4.79% of loans (+345 bps YoY).
  • Funding: loans stand at 95.02% of shares as of Q2 1997.

Return on Assets (YTD, annualized)

3.31%-93 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets3.03%3.49%4.24%4.25%3.20%3.32%3.31%-93 bps
Return on Equityn/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a-11.36%-10.73%-1.92%n/a
Loan Growth (YoY)n/an/an/an/a15.76%28.18%23.04%n/a
Share Growth (YoY)n/an/an/an/a-15.18%-14.31%-4.30%n/a
Asset Quality
Delinquent Loans / Loans2.90%0.56%1.33%1.31%0.29%0.20%4.79%+345 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/a
Allowance / Loans1.87%1.33%1.23%1.22%1.48%1.58%0.89%-33 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares55.12%64.14%73.90%78.37%75.23%95.94%95.02%+2,112 bps
Liquid Assets / Assets36.11%25.27%16.44%18.00%19.25%2.41%3.43%-1,301 bps