PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Black River Valley Employees

Carthage, NY · Charter 6873

Q4 1997

$2.2MAssets
$1.3MLoans
$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 5.84%, down 7 bps year over year.
  • Asset quality: problem loans at 2.15% of loans (+80 bps YoY).
  • Funding: loans stand at 69.86% of shares as of Q4 1997.

Financial Results

Return on Assets (quarter, annualized)

5.84%-7 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 Assets5.91%5.25%5.57%5.63%5.84%-7 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-5.33%1.51%8.30%-0.60%n/a
Loan Growth (YoY)n/a-23.74%-16.59%-1.59%3.94%n/a
Share Growth (YoY)n/a-10.83%-4.33%3.15%-6.25%n/a
Asset Quality
Delinquent Loans / Loans1.35%2.71%1.42%1.37%2.15%+80 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans8.69%8.88%7.44%7.72%8.56%-13 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 / Shares63.01%59.50%64.20%69.09%69.86%+685 bps
Liquid Assets / Assets32.68%24.63%38.64%39.38%41.24%+856 bps