PackageTrendsPeer
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Memphis Buckeye

Memphis, TN · Charter 11808

Q2 1999

$941KAssets
$427KLoans
$717KShares
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 1.20%, down 165 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 59.63% of shares as of Q2 1999.

Financial Results

Return on Assets (YTD, annualized)

1.20%-165 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 Assets2.85%2.40%2.11%2.06%1.20%-165 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)-9.76%-7.44%-4.90%-10.75%-13.76%-401 bps
Loan Growth (YoY)-26.84%-16.68%-22.52%-31.68%4.83%+3,167 bps
Share Growth (YoY)-13.97%-10.45%-7.25%-13.89%-16.96%-299 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.42%0.43%0.44%0.48%0.40%-2 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 / Shares47.23%49.13%47.91%48.52%59.63%+1,240 bps
Liquid Assets / Assets52.51%54.71%55.46%49.23%50.72%-179 bps