Salem, VA · Charter 66941
Q2 1998
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.55% | 4.47% | 4.57% | 4.95% | 4.90% | +36 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) | -10.47% | -2.45% | 7.94% | 18.14% | 18.91% | +2,938 bps | |
| Loan Growth (YoY) | 43.09% | 21.11% | -2.25% | -6.21% | -11.48% | -5,457 bps | |
| Share Growth (YoY) | -13.69% | -4.39% | 7.68% | 18.92% | 19.82% | +3,351 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.54% | 2.46% | 1.90% | 1.81% | 4.69% | +215 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.82% | 1.38% | 1.11% | 1.08% | 1.07% | +25 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 | 38.86% | 38.41% | 35.05% | 30.09% | 28.71% | -1,015 bps | |
| Liquid Assets / Assets | 43.26% | 50.66% | 53.89% | 59.86% | 63.12% | +1,986 bps | |