PackageTrendsPeer
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Five Star

Fernandina Bch., FL · Charter 67308

Q1 1999

$2.7MAssets
$1.7MLoans
$2.3MShares
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 -5.25%, down 888 bps year over year.
  • Asset quality: problem loans at 0.34% of loans (-22 bps YoY).
  • Funding: loans stand at 75.52% of shares as of Q1 1999.

Financial Results

Return on Assets (YTD, annualized)

-5.25%-888 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ1 1998Q2 1998Q3 1998Q4 1998Q1 1999YoY ΔTrend
Earnings
Return on Assets3.64%3.79%4.15%4.15%-5.25%-888 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)-1.34%-0.44%0.86%5.44%2.67%+401 bps
Loan Growth (YoY)29.04%0.58%3.00%2.29%-5.09%-3,413 bps
Share Growth (YoY)-3.35%-2.23%-0.84%4.65%3.84%+719 bps
Asset Quality
Delinquent Loans / Loans0.56%0.24%0.21%0.67%0.34%-22 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.17%2.24%2.15%2.07%2.92%+74 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 / Shares82.61%74.44%89.07%91.74%75.52%-710 bps
Liquid Assets / Assets22.24%30.99%23.33%20.39%31.58%+934 bps