PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Iaa

Bloomington, IL · Charter 17504

Q3 1999

$73.7MAssets
$54.1MLoans
$66.9MShares
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 0.58%, down 386 bps year over year; NIM at 3.26%.
  • Asset quality: problem loans at 0.09% of loans (+5 bps YoY).
  • Funding: loans stand at 80.94% of shares as of Q3 1999.

Financial Results

Return on Assets (quarter, annualized)

0.58%-386 bps YoY

Net Interest Margin (quarter, annualized)

3.26%

Efficiency Ratio (quarter, annualized)

84.67%

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ3 1998Q4 1998Q1 1999Q2 1999Q3 1999YoY ΔTrend
Earnings
Return on Assets4.44%4.25%4.20%4.22%0.58%-386 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a3.26%n/an/a
Efficiency Ration/an/an/an/a84.67%n/an/a
Growth
Asset Growth (YoY)7.21%13.20%11.34%9.11%10.12%+291 bps
Loan Growth (YoY)7.86%5.28%-0.09%1.07%6.41%-145 bps
Share Growth (YoY)7.05%13.67%11.62%9.14%10.41%+336 bps
Asset Quality
Delinquent Loans / Loans0.04%0.11%0.10%0.06%0.09%+5 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.27%0.26%0.25%0.24%0.23%-4 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 / Shares83.98%78.61%74.26%78.48%80.94%-304 bps
Liquid Assets / Assets12.57%16.98%16.18%12.16%9.84%-273 bps