PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

McArdle Employees

Upper Marlboro,, MD · Charter 9949

Q4 1997

$325KAssets
$198KLoans
$260KShares
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 3.88%, down 23 bps year over year.
  • Asset quality: problem loans at 2.44% of loans (+93 bps YoY).
  • Funding: loans stand at 75.97% of shares as of Q4 1997.

Financial Results

Return on Assets (YTD, annualized)

3.88%-23 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.

MetricQ4 1995Q2 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets4.11%2.86%5.76%4.58%3.88%-23 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/a-9.98%-4.98%-29.35%-31.23%n/a
Loan Growth (YoY)n/a17.90%-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 / Loans1.51%0.00%1.59%1.71%2.44%+93 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.94%4.00%7.45%8.21%10.08%+614 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 / Shares65.06%81.08%66.37%97.01%75.97%+1,092 bps
Liquid Assets / Assets30.53%31.29%43.29%17.80%33.90%+336 bps