PackageTrendsPeer
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IBEW Local 846

Chattanooga, TN · Charter 67949

Q4 1997

$2.2MAssets
$1.9MLoans
$1.9MShares
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 4.60%, down 102 bps year over year.
  • Asset quality: problem loans at 9.03% of loans (+631 bps YoY).
  • Funding: loans stand at 100.33% of shares as of Q4 1997.

Financial Results

Return on Assets (quarter, annualized)

4.60%-102 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 Assets5.62%5.55%5.73%5.59%4.60%-102 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/a-16.54%-11.44%-13.94%-8.59%n/a
Loan Growth (YoY)n/a-18.23%-28.70%-12.61%-7.81%n/a
Share Growth (YoY)n/a-3.20%-4.35%-18.31%-11.54%n/a
Asset Quality
Delinquent Loans / Loans2.72%3.43%6.07%13.16%9.03%+631 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.38%1.04%1.02%1.12%2.74%+135 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 / Shares96.27%100.07%84.42%96.69%100.33%+406 bps
Liquid Assets / Assets15.96%9.02%26.17%16.72%14.36%-160 bps