PackageTrendsPeer
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Waverly Florida

Waverly, FL · Charter 67304

Q2 1998

$256KAssets
$47KLoans
$224KShares
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 2.70%, down 192 bps year over year.
  • Asset quality: problem loans at 7.35% of loans (+616 bps YoY).
  • Funding: loans stand at 20.97% of shares as of Q2 1998.

Financial Results

Return on Assets (quarter, annualized)

2.70%-192 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1997Q3 1997Q4 1997Q1 1998Q2 1998YoY ΔTrend
Earnings
Return on Assets4.62%4.69%4.48%2.65%2.70%-192 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)-11.39%-4.35%-4.34%1.65%8.00%+1,938 bps
Loan Growth (YoY)-17.65%-19.13%-21.99%-17.94%-25.44%-779 bps
Share Growth (YoY)-19.76%-9.89%-7.83%0.69%34.51%+5,427 bps
Asset Quality
Delinquent Loans / Loans1.20%0.78%1.88%1.62%7.35%+616 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.78%1.87%2.12%2.34%2.59%-18 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 / Shares37.84%36.56%32.54%28.73%20.97%-1,686 bps
Liquid Assets / Assets66.58%66.91%66.13%65.20%74.71%+813 bps