Corinth, NY · Charter 9412
Q4 1997
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1997, the quarter ended December 31, 1997, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Corinth, NY · Charter 9412
Q4 1997
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 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.58% | 4.49% | 4.51% | 3.99% | 4.26% | -33 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) | n/a | 8.52% | 7.48% | 14.74% | 12.55% | n/a | |
| Loan Growth (YoY) | n/a | 18.54% | 16.92% | 14.07% | 12.93% | n/a | |
| Share Growth (YoY) | n/a | 3.54% | 4.80% | 12.18% | 10.54% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.55% | 1.26% | 1.27% | 0.62% | 0.91% | -64 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.01% | 0.93% | 0.82% | 0.62% | 0.70% | -30 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 | 89.42% | 87.45% | 96.67% | 89.24% | 91.35% | +193 bps | |
| Liquid Assets / Assets | 17.01% | 16.45% | 8.03% | 17.03% | 14.57% | -245 bps | |