PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Corhart Employees Credit Union

Buckhannon, WV · Charter 68116

Q2 1999

$308KAssets
$174KLoans
$251KShares
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 4.86%, down 27 bps year over year.
  • Asset quality: problem loans at 4.02% of loans (+164 bps YoY).
  • Funding: loans stand at 69.46% of shares as of Q2 1999.

Financial Results

Return on Assets (quarter, annualized)

4.86%-27 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets5.13%5.34%4.24%6.01%4.86%-27 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)27.46%15.80%-2.12%-4.54%-7.60%-3,505 bps
Loan Growth (YoY)23.04%25.24%18.50%-6.64%6.12%-1,692 bps
Share Growth (YoY)21.43%9.87%-8.93%-10.86%-13.73%-3,517 bps
Asset Quality
Delinquent Loans / Loans2.38%5.64%4.79%1.95%4.02%+164 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.29%0.43%0.47%0.73%0.85%+56 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 / Shares56.47%62.13%73.77%68.39%69.46%+1,300 bps
Liquid Assets / Assets42.67%31.81%30.27%37.34%36.58%-609 bps