PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Federal Employees of New Castle Co.

Wilmington, DE · Charter 9171

Q2 1997

$2.8MAssets
$1.6MLoans
$2.5MShares
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 3.40%, down 123 bps year over year.
  • Asset quality: problem loans at 2.71% of loans (+76 bps YoY).
  • Funding: loans stand at 62.32% of shares as of Q2 1997.

Financial Results

Return on Assets (YTD, annualized)

3.40%-123 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets4.63%4.76%4.72%4.71%3.40%-123 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/an/a9.71%18.62%18.22%n/a
Loan Growth (YoY)n/an/a-1.82%-9.82%-10.90%n/a
Share Growth (YoY)n/an/a8.10%18.21%19.90%n/a
Asset Quality
Delinquent Loans / Loans1.96%3.20%2.85%0.47%2.71%+76 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans4.49%4.96%5.81%5.80%6.57%+208 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 / Shares83.86%83.38%76.24%71.38%62.32%-2,154 bps
Liquid Assets / Assets16.32%22.93%28.69%35.60%45.36%+2,904 bps