Pembroke Pines, FL · Charter 67848
Q4 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1998, the quarter ended December 31, 1998, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Pembroke Pines, FL · Charter 67848
Q4 1998
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 1997 | Q1 1998 | Q2 1998 | Q3 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.86% | 3.06% | 3.68% | 4.06% | 3.52% | +66 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -16.55% | -11.87% | -10.84% | -3.74% | -8.58% | +796 bps | |
| Loan Growth (YoY) | -7.30% | -10.84% | -8.75% | -8.65% | -10.60% | -329 bps | |
| Share Growth (YoY) | -18.16% | -12.04% | -10.51% | -5.18% | -7.76% | +1,039 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.93% | 4.47% | 4.65% | 4.89% | 2.34% | -260 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.64% | 2.77% | 2.53% | 2.55% | 1.96% | -68 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 79.97% | 72.68% | 77.28% | 76.70% | 77.52% | -246 bps | |
| Liquid Assets / Assets | 16.35% | 22.51% | 18.05% | 22.30% | 19.55% | +319 bps | |