Elkridge, MD · Charter 7928
Q2 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 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.82% | 1.00% | 6.19% | 6.32% | 2.99% | +17 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) | 13.24% | -8.28% | -7.34% | -14.13% | -28.29% | -4,153 bps | |
| Loan Growth (YoY) | 4.54% | -11.34% | -17.40% | -20.37% | -28.39% | -3,293 bps | |
| Share Growth (YoY) | 12.27% | 1.55% | -7.34% | -9.44% | -28.49% | -4,075 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 58.43% | 58.63% | 32.49% | 63.41% | 59.70% | +127 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 8.82% | 13.99% | 1.96% | 0.00% | 7.14% | -168 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 | 143.54% | 155.39% | 130.02% | 136.14% | 143.75% | +20 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.60% | 0.64% | 1.65% | +165 bps | |