PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

St Therese Hospital Employees

Waukegan, IL · Charter 16081

Q2 1996

$1.2MAssets
$828KLoans
$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 3.27%, up 29 bps year over year.
  • Asset quality: problem loans at 3.26% of loans (+288 bps YoY).
  • Funding: loans stand at 75.50% of shares as of Q2 1996.

Financial Results

Return on Assets (quarter, annualized)

3.27%+29 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets2.99%3.46%3.82%3.81%3.27%+29 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/an/a-0.33%n/an/a
Loan Growth (YoY)n/an/an/an/a19.61%n/an/a
Share Growth (YoY)n/an/an/an/a1.11%n/an/a
Asset Quality
Delinquent Loans / Loans0.38%1.33%0.00%7.70%3.26%+288 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.74%1.04%0.50%0.88%1.21%+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 / Shares63.83%81.15%81.54%91.71%75.50%+1,168 bps
Liquid Assets / Assets33.18%5.98%13.39%20.11%16.69%-1,649 bps