PackageTrendsPeer
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White Gold

Gordon, GA · Charter 67377

Q2 1999

$2.4MAssets
$1.0MLoans
$2.2MShares
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 5.35%, down 183 bps year over year.
  • Asset quality: problem loans at 1.18% of loans (+15 bps YoY).
  • Funding: loans stand at 47.85% of shares as of Q2 1999.

Financial Results

Return on Assets (YTD, annualized)

5.35%-183 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.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets7.18%6.52%6.01%5.67%5.35%-183 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)11.08%25.01%29.39%27.32%40.54%+2,946 bps
Loan Growth (YoY)83.21%48.55%31.71%32.72%10.42%-7,278 bps
Share Growth (YoY)7.24%22.06%28.28%26.80%43.02%+3,578 bps
Asset Quality
Delinquent Loans / Loans1.03%0.52%2.17%1.50%1.18%+15 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.52%1.21%1.28%1.20%1.17%-35 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 / Shares61.98%62.23%52.80%59.08%47.85%-1,413 bps
Liquid Assets / Assets12.72%14.64%16.07%17.34%23.79%+1,107 bps