PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Clover Club Employees

Kaysville, UT · Charter 11081

Q4 1999

$2.1MAssets
$1.6MLoans
$1.7MShares
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 0.26%, down 379 bps year over year; NIM at 3.68%.
  • Asset quality: problem loans at 2.73% of loans (+14 bps YoY).
  • Funding: loans stand at 91.17% of shares as of Q4 1999.

Financial Results

Return on Assets (YTD, annualized)

0.26%-379 bps YoY

Net Interest Margin (YTD, annualized)

3.68%

Efficiency Ratio (YTD, annualized)

93.42%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets4.05%4.47%3.95%3.16%0.26%-379 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a3.68%n/an/a
Efficiency Ration/an/an/an/a93.42%n/an/a
Growth
Asset Growth (YoY)-0.89%-6.52%5.80%8.21%0.39%+128 bps
Loan Growth (YoY)-0.28%-16.48%-16.37%-8.14%-5.17%-488 bps
Share Growth (YoY)-3.97%-9.73%3.95%8.38%-0.49%+349 bps
Asset Quality
Delinquent Loans / Loans2.59%1.49%2.09%1.56%2.73%+14 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.23%1.10%1.04%1.25%0.95%-28 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 / Shares95.67%90.29%87.53%84.67%91.17%-450 bps
Liquid Assets / Assets17.33%20.63%21.38%23.35%19.13%+180 bps