PackageTrendsPeer
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Meansco Decatur

Decatur, IL · Charter 15349

Q4 1998

$126KAssets
$60KLoans
$83KShares
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 3.34%, down 99 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 72.50% of shares as of Q4 1998.

Financial Results

Return on Assets (quarter, annualized)

3.34%-99 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1996Q2 1997Q4 1997Q2 1998Q4 1998YoY ΔTrend
Earnings
Return on Assets4.33%3.39%3.69%3.44%3.34%-99 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)11.10%19.29%8.37%-0.42%7.68%-342 bps
Loan Growth (YoY)-24.24%-7.50%10.49%-12.62%6.13%+3,037 bps
Share Growth (YoY)9.71%23.09%6.13%-5.65%13.48%+377 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.58%3.38%3.02%3.16%3.37%-21 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 / Shares77.52%65.96%85.56%80.79%72.50%-502 bps
Liquid Assets / Assets50.75%52.81%44.79%45.67%44.42%-633 bps