PackageTrendsPeer
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Healthpro

Sacramento, CA · Charter 13502

Q2 1998

$25.9MAssets
$21.1MLoans
$23.9MShares
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 3.12%, down 5 bps year over year.
  • Asset quality: problem loans at 0.14% of loans (-49 bps YoY).
  • Funding: loans stand at 88.45% of shares as of Q2 1998.

Financial Results

Return on Assets (quarter, annualized)

3.12%-5 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 Assets3.17%2.82%3.50%3.67%3.12%-5 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)5.65%5.35%2.91%2.61%3.59%-206 bps
Loan Growth (YoY)11.10%9.36%5.87%11.27%14.56%+347 bps
Share Growth (YoY)7.11%7.40%3.73%1.88%1.53%-558 bps
Asset Quality
Delinquent Loans / Loans0.64%0.98%0.54%0.22%0.14%-49 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.36%1.72%1.72%1.47%1.25%-11 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 / Shares78.39%86.75%86.45%86.61%88.45%+1,006 bps
Liquid Assets / Assets21.06%15.81%16.47%15.30%14.14%-692 bps