Upper Marlboro,, MD · Charter 9949
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.
Upper Marlboro,, MD · Charter 9949
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 | 4.11% | 2.86% | 5.76% | 4.58% | 3.88% | -23 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 | -9.98% | -4.98% | -29.35% | -31.23% | n/a | |
| Loan Growth (YoY) | n/a | 17.90% | -6.14% | -23.07% | -27.28% | n/a | |
| Share Growth (YoY) | n/a | -12.47% | -7.99% | -36.50% | -37.73% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.51% | 0.00% | 1.59% | 1.71% | 2.44% | +93 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.94% | 4.00% | 7.45% | 8.21% | 10.08% | +614 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 | 65.06% | 81.08% | 66.37% | 97.01% | 75.97% | +1,092 bps | |
| Liquid Assets / Assets | 30.53% | 31.29% | 43.29% | 17.80% | 33.90% | +336 bps | |