PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Dairymen

Roseland, LA · Charter 14405

Q2 1999

$255KAssets
$101KLoans
$158KShares
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 3.01%, up 31 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 63.76% of shares as of Q2 1999.

Financial Results

Return on Assets (YTD, annualized)

3.01%+31 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.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets2.70%2.74%2.40%1.19%3.01%+31 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)-10.71%-10.59%-14.80%-14.46%5.05%+1,576 bps
Loan Growth (YoY)-13.38%5.09%-15.29%-1.09%-4.92%+846 bps
Share Growth (YoY)-21.69%-20.47%-21.15%-19.14%6.18%+2,788 bps
Asset Quality
Delinquent Loans / Loans0.00%3.71%29.59%16.12%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans13.21%10.37%15.24%14.50%18.08%+486 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 / Shares71.21%91.97%78.11%78.24%63.76%-745 bps
Liquid Assets / Assets34.14%34.62%36.09%34.90%35.82%+168 bps