Memphis, TN · Charter 8574
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 | 4.00% | 3.88% | 3.72% | 0.23% | -903% | -90,664 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) | -12.56% | -19.89% | -24.02% | -26.35% | -99.65% | -8,708 bps | |
| Loan Growth (YoY) | -39.10% | -45.89% | -57.53% | -73.06% | -100.00% | -6,090 bps | |
| Share Growth (YoY) | -23.41% | -31.60% | -39.18% | -41.93% | -100.00% | -7,659 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.65% | 3.30% | 7.55% | 28.19% | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.84% | 3.33% | 6.65% | 3.62% | n/a | n/a | |
| 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 | 52.12% | 48.77% | 40.78% | 23.75% | n/a | n/a | |
| Liquid Assets / Assets | 60.08% | 63.55% | 70.87% | 57.31% | 0.00% | -6,008 bps | |