PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Chicago Osteopathic Center

Chicago, IL · Charter 13688

Q4 1996

$1.8MAssets
$486KLoans
$1.1MShares
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 -0.16%, down 593 bps year over year.
  • Asset quality: problem loans at 0.05% of loans (-61 bps YoY).
  • Funding: loans stand at 45.63% of shares as of Q4 1996.

Financial Results

Return on Assets (YTD, annualized)

-0.16%-593 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 1994Q2 1995Q4 1995Q2 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets5.77%6.42%5.84%3.72%-0.16%-593 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/an/an/a-35.86%-43.04%n/a
Loan Growth (YoY)n/an/an/a-62.74%-75.43%n/a
Share Growth (YoY)n/an/an/a-50.81%-52.51%n/a
Asset Quality
Delinquent Loans / Loans0.65%0.43%0.78%3.52%0.05%-61 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans4.33%3.16%4.51%8.47%15.28%+1,095 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 / Shares88.19%83.54%71.80%62.63%45.63%-4,256 bps
Liquid Assets / Assets34.30%35.39%45.56%62.10%72.24%+3,794 bps