PackageTrendsPeer
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Olympic Packaging Employees

Mundelein, IL · Charter 16489

Q2 1997

$229KAssets
$163KLoans
$155KShares
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 2.45%, down 159 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (-424 bps YoY).
  • Funding: loans stand at 105.03% of shares as of Q2 1997.

Financial Results

Return on Assets (quarter, annualized)

2.45%-159 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets4.03%3.69%3.34%4.29%2.45%-159 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/a-19.19%-19.48%-31.42%n/a
Loan Growth (YoY)n/an/a-4.28%-14.13%-36.67%n/a
Share Growth (YoY)n/an/a-25.67%-26.35%-40.34%n/a
Asset Quality
Delinquent Loans / Loans4.24%6.71%4.55%5.05%0.00%-424 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.78%3.85%3.95%4.56%0.62%-316 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 / Shares98.93%105.67%108.66%99.55%105.03%+610 bps
Liquid Assets / Assets18.99%17.24%17.80%15.73%16.35%-264 bps