PackageTrendsPeer
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Johns Manville

Denver, CO · Charter 21336

Q2 2000

$49.7MAssets
$32.2MLoans
$44.3MShares
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 0.91%, down 378 bps year over year; NIM at 3.79%.
  • Asset quality: problem loans at 0.79% of loans (+24 bps YoY).
  • Funding: loans stand at 72.73% of shares as of Q2 2000.

Financial Results

Return on Assets (quarter, annualized)

0.91%-378 bps YoY

Net Interest Margin (quarter, annualized)

3.79%

Efficiency Ratio (quarter, annualized)

78.62%

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000YoY ΔTrend
Earnings
Return on Assets4.69%4.79%4.52%1.14%0.91%-378 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a3.71%3.79%n/a
Efficiency Ration/an/an/a72.59%78.62%n/a
Growth
Asset Growth (YoY)13.74%13.39%24.69%18.98%16.61%+288 bps
Loan Growth (YoY)38.14%25.84%13.69%15.12%9.93%-2,821 bps
Share Growth (YoY)12.24%11.80%24.30%18.03%15.47%+323 bps
Asset Quality
Delinquent Loans / Loans0.55%0.39%0.55%0.51%0.79%+24 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.90%0.87%0.75%0.57%0.51%-39 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 / Shares76.40%75.78%67.44%73.95%72.73%-367 bps
Liquid Assets / Assets17.83%15.03%14.33%8.37%6.53%-1,130 bps