PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Michael Reese Hospital Employ

Chicago, IL · Charter 20049

Q2 1997

$1.8MAssets
$563KLoans
$1.5MShares
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 -9.02%, down 1,419 bps year over year.
  • Asset quality: problem loans at 10.95% of loans (+94 bps YoY).
  • Funding: loans stand at 37.14% of shares as of Q2 1997.

Financial Results

Return on Assets (YTD, annualized)

-9.02%-1,419 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 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets5.17%-3.22%2.19%0.73%-9.02%-1,419 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-24.81%-25.96%-23.44%n/a
Loan Growth (YoY)n/an/a-63.01%-67.35%-65.32%n/a
Share Growth (YoY)n/an/a-24.52%-28.86%-27.26%n/a
Asset Quality
Delinquent Loans / Loans10.01%4.91%9.92%37.72%10.95%+94 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.02%3.02%5.64%6.95%18.72%+1,870 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 / Shares77.90%61.73%46.65%46.35%37.14%-4,076 bps
Liquid Assets / Assets12.87%41.48%53.14%55.45%69.44%+5,657 bps