PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

RRB

Chicago, IL · Charter 2202

Q2 1997

$5.3MAssets
$2.4MLoans
$4.5MShares
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 5.06%, up 18 bps year over year.
  • Asset quality: problem loans at 0.91% of loans (+43 bps YoY).
  • Funding: loans stand at 54.29% of shares as of Q2 1997.

Financial Results

Return on Assets (YTD, annualized)

5.06%+18 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 Assets4.88%4.93%4.85%5.00%5.06%+18 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/a7.75%9.45%11.64%n/a
Loan Growth (YoY)n/an/a8.24%-1.27%-7.40%n/a
Share Growth (YoY)n/an/a4.95%7.17%9.78%n/a
Asset Quality
Delinquent Loans / Loans0.47%2.25%2.37%0.94%0.91%+43 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.77%2.01%2.22%1.39%1.76%-1 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 / Shares64.36%61.65%55.64%56.80%54.29%-1,007 bps
Liquid Assets / Assets17.22%20.34%14.14%21.18%40.99%+2,377 bps