PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Keeps

Kearney, NE · Charter 20596

Q2 2000

$2.2MAssets
$1.5MLoans
$2.0MShares
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 1.40%, down 357 bps year over year; NIM at 2.87%.
  • Asset quality: problem loans at 0.14% of loans (-40 bps YoY).
  • Funding: loans stand at 75.69% of shares as of Q2 2000.

Financial Results

Return on Assets (YTD, annualized)

1.40%-357 bps YoY

Net Interest Margin (YTD, annualized)

2.87%

Efficiency Ratio (YTD, annualized)

51.33%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000YoY ΔTrend
Earnings
Return on Assets4.97%4.86%5.05%0.95%1.40%-357 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a2.55%2.87%n/a
Efficiency Ration/an/an/a60.20%51.33%n/a
Growth
Asset Growth (YoY)3.93%9.20%9.06%14.68%13.64%+971 bps
Loan Growth (YoY)16.75%21.76%10.30%-5.76%-13.53%-3,028 bps
Share Growth (YoY)3.17%9.01%10.16%16.06%14.32%+1,115 bps
Asset Quality
Delinquent Loans / Loans0.54%0.46%2.76%0.67%0.14%-40 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.51%1.23%1.41%1.30%1.35%+84 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 / Shares100.07%96.61%86.58%77.63%75.69%-2,438 bps
Liquid Assets / Assets7.30%11.40%14.51%4.20%23.72%+1,642 bps