PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Health Care

Lincoln, NE · Charter 19286

Q2 1998

$5.3MAssets
$2.8MLoans
$4.8MShares
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 2.20%, down 29 bps year over year.
  • Asset quality: problem loans at 0.17% of loans (-75 bps YoY).
  • Funding: loans stand at 57.65% of shares as of Q2 1998.

Financial Results

Return on Assets (quarter, annualized)

2.20%-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 1996Q4 1996Q2 1997Q4 1997Q2 1998YoY ΔTrend
Earnings
Return on Assets2.49%2.88%2.78%3.45%2.20%-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)3.49%7.18%11.68%4.07%-0.30%-380 bps
Loan Growth (YoY)-18.77%-21.45%-14.09%-5.25%-20.49%-172 bps
Share Growth (YoY)7.44%6.05%11.55%2.11%-1.88%-932 bps
Asset Quality
Delinquent Loans / Loans0.92%0.81%0.19%0.55%0.17%-75 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.02%0.88%0.90%1.05%1.19%+17 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 / Shares71.14%67.07%63.18%72.21%57.65%-1,349 bps
Liquid Assets / Assets23.86%13.07%16.66%29.06%42.55%+1,869 bps