PackageTrendsPeer
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Ysu

Youngstown, OH · Charter 21802

Q4 1997

$4.2MAssets
$2.2MLoans
$4.1MShares
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 1.69%, down 149 bps year over year.
  • Asset quality: problem loans at 2.18% of loans (+85 bps YoY).
  • Funding: loans stand at 54.68% of shares as of Q4 1997.

Financial Results

Return on Assets (quarter, annualized)

1.69%-149 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1995Q2 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets3.18%2.79%2.80%2.23%1.69%-149 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/a14.66%1.78%4.19%0.64%n/a
Loan Growth (YoY)n/a-13.32%-25.25%-19.83%-6.85%n/a
Share Growth (YoY)n/a11.80%0.35%3.24%1.85%n/a
Asset Quality
Delinquent Loans / Loans1.33%0.45%3.03%2.51%2.18%+85 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.66%0.23%1.10%0.87%1.07%+40 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 / Shares59.79%48.61%53.03%49.56%54.68%-511 bps
Liquid Assets / Assets15.81%26.35%35.80%40.04%33.75%+1,794 bps