Johnson City, NY · Charter 8562
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 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.16% | 3.85% | 3.76% | 2.76% | 2.93% | -123 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) | -4.98% | -0.77% | 1.27% | -0.94% | 5.00% | +998 bps | |
| Loan Growth (YoY) | -6.01% | -6.11% | -0.89% | -0.35% | -4.12% | +190 bps | |
| Share Growth (YoY) | -8.08% | -3.73% | -1.50% | -3.44% | 3.78% | +1,185 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.14% | 3.43% | 1.91% | 1.41% | 2.24% | +10 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.53% | 1.44% | 1.72% | 1.64% | 2.21% | +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 | 57.11% | 55.13% | 56.99% | 55.12% | 52.77% | -434 bps | |
| Liquid Assets / Assets | 29.31% | 24.00% | 23.49% | 40.07% | 42.79% | +1,347 bps | |