Petersburg, VA · Charter 66948
Q2 1999
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 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.62% | 4.77% | 0.07% | 0.62% | -0.02% | -463 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) | -15.76% | -14.68% | -21.82% | -21.57% | -22.73% | -697 bps | |
| Loan Growth (YoY) | -22.99% | 4.14% | 21.77% | 20.88% | -1.69% | +2,130 bps | |
| Share Growth (YoY) | -21.34% | -20.68% | -26.79% | -24.48% | -24.88% | -354 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.03% | 3.46% | 6.81% | 6.73% | 9.37% | +834 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.76% | 2.45% | 3.66% | 3.09% | 5.97% | +321 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 | 77.51% | 98.04% | 107.60% | 105.22% | 101.44% | +2,393 bps | |
| Liquid Assets / Assets | 35.21% | 19.20% | 8.77% | 15.12% | 17.94% | -1,726 bps | |