PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Schools Plus

Hermiston, OR · Charter 12140

Q2 1998

$15.3MAssets
$8.9MLoans
$13.6MShares
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 4.04%, up 68 bps year over year.
  • Asset quality: problem loans at 1.22% of loans (-32 bps YoY).
  • Funding: loans stand at 65.64% of shares as of Q2 1998.

Financial Results

Return on Assets (quarter, annualized)

4.04%+68 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1996Q4 1996Q2 1997Q4 1997Q2 1998YoY ΔTrend
Earnings
Return on Assets3.36%3.88%3.92%4.22%4.04%+68 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)14.09%22.10%17.26%24.78%29.97%+1,588 bps
Loan Growth (YoY)9.49%19.55%9.41%17.82%24.05%+1,456 bps
Share Growth (YoY)13.31%22.75%16.99%26.37%31.48%+1,817 bps
Asset Quality
Delinquent Loans / Loans1.54%1.41%1.31%1.58%1.22%-32 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.78%0.82%1.07%1.06%0.93%+15 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 / Shares69.57%84.90%73.13%78.22%65.64%-393 bps
Liquid Assets / Assets20.66%5.73%17.23%23.49%34.07%+1,341 bps