PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Kash N Karry Employees

Tampa, FL · Charter 11239

Q2 1999

$3.2MAssets
$1.3MLoans
$2.5MShares
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 0.43%, down 169 bps year over year.
  • Asset quality: problem loans at 3.99% of loans (+268 bps YoY).
  • Funding: loans stand at 51.20% of shares as of Q2 1999.

Financial Results

Return on Assets (YTD, annualized)

0.43%-169 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.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets2.13%2.29%2.85%2.65%0.43%-169 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)-6.34%1.20%-7.85%-6.00%-10.03%-369 bps
Loan Growth (YoY)-32.47%-20.79%-15.92%-15.75%-20.68%+1,179 bps
Share Growth (YoY)-8.72%1.07%-10.01%-7.95%-12.12%-340 bps
Asset Quality
Delinquent Loans / Loans1.31%4.27%1.93%3.91%3.99%+268 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.81%1.83%1.50%1.24%1.33%-49 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 / Shares56.72%55.83%62.25%60.01%51.20%-552 bps
Liquid Assets / Assets47.67%48.77%41.90%45.90%48.65%+97 bps