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Ici Employees Credit Union

Hopewell, VA · Charter 66981

Q4 1997

$848KAssets
$552KLoans
$677KShares
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 5.25%, down 108 bps year over year.
  • Asset quality: problem loans at 0.89% of loans (+89 bps YoY).
  • Funding: loans stand at 81.47% of shares as of Q4 1997.

Financial Results

Return on Assets (quarter, annualized)

5.25%-108 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1995Q2 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets6.32%5.03%6.22%4.98%5.25%-108 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/a17.72%10.39%26.09%37.54%n/a
Loan Growth (YoY)n/a-10.89%-7.50%2.51%31.95%n/a
Share Growth (YoY)n/a13.25%4.88%26.46%42.84%n/a
Asset Quality
Delinquent Loans / Loans0.00%0.00%2.38%2.49%0.89%+89 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.92%2.88%2.72%2.48%1.14%-178 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 / Shares88.20%72.55%91.69%74.77%81.47%-672 bps
Liquid Assets / Assets29.34%37.96%28.26%37.91%34.12%+478 bps