PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

E S H Employees

Vinita, OK · Charter 12502

Q4 1997

$2.8MAssets
$1.5MLoans
$2.3MShares
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 3.10%, down 53 bps year over year.
  • Asset quality: problem loans at 2.14% of loans (-78 bps YoY).
  • Funding: loans stand at 64.08% of shares as of Q4 1997.

Financial Results

Return on Assets (YTD, annualized)

3.10%-53 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 Assets3.63%3.95%3.83%2.61%3.10%-53 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-14.72%-5.43%-1.66%-5.51%n/a
Loan Growth (YoY)n/a-28.20%-5.47%11.50%35.20%n/a
Share Growth (YoY)n/a-16.27%-7.63%-2.57%-5.13%n/a
Asset Quality
Delinquent Loans / Loans2.92%3.90%5.46%1.88%2.14%-78 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.11%2.71%2.68%1.69%1.90%-21 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 / Shares44.97%42.19%50.37%56.84%64.08%+1,911 bps
Liquid Assets / Assets54.92%61.57%52.24%51.04%44.10%-1,082 bps