Alexandria, VA · Charter 9895
Q4 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1998, the quarter ended December 31, 1998, 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.
Alexandria, VA · Charter 9895
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 | 2.75% | 0.30% | 1.34% | 0.29% | 1.34% | -141 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) | -12.14% | -0.46% | 0.69% | -1.33% | -5.87% | +627 bps | |
| Loan Growth (YoY) | -11.51% | 4.40% | -7.09% | -20.73% | -21.95% | -1,044 bps | |
| Share Growth (YoY) | -11.60% | 1.81% | 3.30% | 1.09% | -2.19% | +941 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.98% | 2.51% | 5.31% | 8.12% | 5.72% | +374 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.84% | 4.53% | 5.43% | 8.10% | 5.70% | +286 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 | 84.47% | 76.82% | 67.05% | 72.90% | 67.40% | -1,706 bps | |
| Liquid Assets / Assets | 10.62% | 20.03% | 30.89% | 30.23% | 28.17% | +1,755 bps | |