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Valdese Industries

Valdese, NC · Charter 67177

Q2 2000

$4.7MAssets
$3.6MLoans
$4.3MShares
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 0.10%, down 425 bps year over year; NIM at 4.62%.
  • Asset quality: problem loans at 2.46% of loans (+90 bps YoY).
  • Funding: loans stand at 84.75% of shares as of Q2 2000.

Financial Results

Return on Assets (quarter, annualized)

0.10%-425 bps YoY

Net Interest Margin (quarter, annualized)

4.62%

Efficiency Ratio (quarter, annualized)

97.79%

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000YoY ΔTrend
Earnings
Return on Assets4.35%3.82%3.75%-1.02%0.10%-425 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a4.78%4.62%n/a
Efficiency Ration/an/an/a91.62%97.79%n/a
Growth
Asset Growth (YoY)-3.08%2.15%-0.79%-9.82%-8.33%-525 bps
Loan Growth (YoY)-6.57%-14.64%-17.37%-17.29%-6.97%-41 bps
Share Growth (YoY)-5.28%1.79%-0.97%-9.82%-7.38%-210 bps
Asset Quality
Delinquent Loans / Loans1.56%1.37%1.66%1.43%2.46%+90 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.71%0.97%0.88%1.60%0.67%-4 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 / Shares84.37%75.47%78.98%84.75%84.75%+37 bps
Liquid Assets / Assets18.14%26.04%22.99%8.23%0.00%-1,814 bps