PackageTrendsPeer
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St. Marks Presby

Cleveland, OH · Charter 14848

Q2 1999

$396KAssets
$80KLoans
$342KShares
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 2.13%, down 73 bps year over year.
  • Asset quality: problem loans at 5.54% of loans (-354 bps YoY).
  • Funding: loans stand at 23.49% of shares as of Q2 1999.

Financial Results

Return on Assets (YTD, annualized)

2.13%-73 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 Assets2.86%3.32%3.68%3.45%2.13%-73 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)12.16%0.63%2.43%3.41%-0.98%-1,314 bps
Loan Growth (YoY)-26.57%-1.18%3.25%-8.56%-2.22%+2,435 bps
Share Growth (YoY)12.54%-2.04%-1.51%-2.68%-5.09%-1,764 bps
Asset Quality
Delinquent Loans / Loans9.08%16.95%3.26%5.09%5.54%-354 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.03%0.42%0.45%0.45%0.50%+47 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 / Shares22.80%30.32%26.83%27.40%23.49%+69 bps
Liquid Assets / Assets77.25%70.27%55.06%52.91%49.04%-2,821 bps