PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

E.A.C.

Nashville, TN · Charter 67780

Q4 1997

$2.8MAssets
$1.9MLoans
$2.4MShares
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 3.70%, down 99 bps year over year.
  • Asset quality: problem loans at 0.26% of loans (+22 bps YoY).
  • Funding: loans stand at 80.55% of shares as of Q4 1997.

Financial Results

Return on Assets (quarter, annualized)

3.70%-99 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 Assets4.69%4.27%4.68%3.55%3.70%-99 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/a9.43%1.56%9.16%2.73%n/a
Loan Growth (YoY)n/a25.90%18.37%16.49%24.17%n/a
Share Growth (YoY)n/a5.58%-5.61%6.22%-0.50%n/a
Asset Quality
Delinquent Loans / Loans0.03%0.03%0.21%0.52%0.26%+22 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.37%0.25%0.38%0.63%0.55%+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 / Shares64.54%63.53%73.57%75.13%80.55%+1,601 bps
Liquid Assets / Assets27.37%39.01%33.98%32.77%25.85%-153 bps