PackageTrendsPeer
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Blue Grass

Harrodsburg, KY · Charter 20929

Q2 1999

$1.9MAssets
$1.5MLoans
$1.6MShares
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 3.92%, down 26 bps year over year.
  • Asset quality: problem loans at 0.21% of loans (-120 bps YoY).
  • Funding: loans stand at 93.84% of shares as of Q2 1999.

Financial Results

Return on Assets (YTD, annualized)

3.92%-26 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 Assets4.18%4.10%3.83%3.75%3.92%-26 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)12.21%10.58%11.75%13.11%8.23%-397 bps
Loan Growth (YoY)2.12%2.14%-6.00%7.33%15.81%+1,370 bps
Share Growth (YoY)12.75%11.45%13.45%15.55%9.22%-353 bps
Asset Quality
Delinquent Loans / Loans1.41%0.33%0.00%0.25%0.21%-120 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.45%0.20%0.29%0.20%0.32%-13 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 / Shares88.49%93.23%82.52%95.24%93.84%+535 bps
Liquid Assets / Assets25.12%21.63%26.83%17.50%17.39%-773 bps