PackageTrendsPeer
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Executive Park

Tucker, GA · Charter 1907

Q2 1999

$503KAssets
$159KLoans
$464KShares
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 2.32%, down 78 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (-165 bps YoY).
  • Funding: loans stand at 34.37% of shares as of Q2 1999.

Financial Results

Return on Assets (YTD, annualized)

2.32%-78 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 Assets3.10%3.75%2.42%3.38%2.32%-78 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)-0.36%-2.62%-6.02%-7.39%9.24%+959 bps
Loan Growth (YoY)-44.76%-36.27%-30.76%-32.32%-29.90%+1,487 bps
Share Growth (YoY)2.28%1.93%10.99%11.66%27.03%+2,475 bps
Asset Quality
Delinquent Loans / Loans1.65%3.07%2.13%0.00%0.00%-165 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.74%0.47%1.25%2.01%2.77%+203 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 / Shares62.29%76.79%61.47%49.76%34.37%-2,791 bps
Liquid Assets / Assets49.65%38.43%43.12%54.61%67.50%+1,785 bps