PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Rockford C I E & G Co. Emp

Rockford, IL · Charter 1347

Q4 1997

$6.6MAssets
$5.3MLoans
$5.6MShares
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 1.67%, down 286 bps year over year.
  • Asset quality: problem loans at 0.63% of loans (+60 bps YoY).
  • Funding: loans stand at 93.84% of shares as of Q4 1997.

Financial Results

Return on Assets (YTD, annualized)

1.67%-286 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 Assets4.53%4.16%4.66%4.63%1.67%-286 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-4.76%-6.18%-7.07%-7.33%n/a
Loan Growth (YoY)n/a23.11%20.41%23.31%21.17%n/a
Share Growth (YoY)n/a-7.54%-9.71%-10.87%-10.36%n/a
Asset Quality
Delinquent Loans / Loans0.03%0.06%0.06%0.38%0.63%+60 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.35%0.33%0.26%0.21%3.78%+342 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 / Shares69.43%74.08%80.93%86.37%93.84%+2,442 bps
Liquid Assets / Assets30.34%28.30%23.94%19.18%16.68%-1,366 bps