PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Naval Hospital Credit Union Inc.

Portsmouth, VA · Charter 66938

Q2 1997

$4.4MAssets
$3.1MLoans
$3.6MShares
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 2.91%, down 81 bps year over year.
  • Asset quality: problem loans at 0.07% of loans (-2 bps YoY).
  • Funding: loans stand at 85.41% of shares as of Q2 1997.

Financial Results

Return on Assets (quarter, annualized)

2.91%-81 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets3.72%3.52%2.90%3.08%2.91%-81 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/an/a0.53%-2.47%-5.01%n/a
Loan Growth (YoY)n/an/a42.22%25.20%6.07%n/a
Share Growth (YoY)n/an/a-1.40%-5.54%-7.39%n/a
Asset Quality
Delinquent Loans / Loans0.09%0.15%0.35%0.00%0.07%-2 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.38%0.53%0.52%0.46%0.60%+22 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 / Shares74.57%78.07%82.79%86.48%85.41%+1,084 bps
Liquid Assets / Assets24.91%24.60%24.04%22.16%22.76%-215 bps