PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Cba of A

Wheaton, IL · Charter 22278

Q4 1997

$1.2MAssets
$318KLoans
$1.1MShares
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 3.49%, down 87 bps year over year.
  • Asset quality: problem loans at 5.86% of loans (+323 bps YoY).
  • Funding: loans stand at 28.49% of shares as of Q4 1997.

Financial Results

Return on Assets (YTD, annualized)

3.49%-87 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.

MetricQ4 1995Q2 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets4.37%4.46%3.70%3.56%3.49%-87 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/a-10.55%2.21%9.17%14.31%n/a
Loan Growth (YoY)n/a5.35%-3.23%-26.84%-29.60%n/a
Share Growth (YoY)n/a-13.82%0.48%8.62%15.52%n/a
Asset Quality
Delinquent Loans / Loans2.64%4.93%2.53%2.85%5.86%+323 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.51%2.69%1.58%2.38%2.91%-60 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 / Shares46.74%47.97%44.66%36.22%28.49%-1,825 bps
Liquid Assets / Assets50.11%54.02%54.56%63.49%71.65%+2,154 bps