PackageTrendsPeer
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Gulf States

Maitland, FL · Charter 13996

Q2 1999

$17.2MAssets
$11.3MLoans
$14.5MShares
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 2.76%, down 60 bps year over year.
  • Asset quality: problem loans at 0.59% of loans (+25 bps YoY).
  • Funding: loans stand at 78.03% of shares as of Q2 1999.

Financial Results

Return on Assets (quarter, annualized)

2.76%-60 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets3.36%3.73%3.15%3.08%2.76%-60 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)7.03%-1.37%-3.54%-3.64%-6.41%-1,345 bps
Loan Growth (YoY)5.22%6.21%7.19%-0.16%-9.70%-1,492 bps
Share Growth (YoY)5.86%-3.05%-5.35%-5.46%-7.58%-1,344 bps
Asset Quality
Delinquent Loans / Loans0.34%0.52%0.52%0.37%0.59%+25 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.50%0.50%0.46%0.45%0.49%-1 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 / Shares79.86%87.19%87.98%84.77%78.03%-183 bps
Liquid Assets / Assets24.17%18.30%17.82%19.94%26.28%+211 bps