PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Corporate America Family

Elgin, IL · Charter 22529

Q4 1996

$227.4MAssets
$164.9MLoans
$201.3MShares
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 4.56%, up 9 bps year over year.
  • Asset quality: problem loans at 0.24% of loans (+4 bps YoY).
  • Funding: loans stand at 81.92% of shares as of Q4 1996.

Financial Results

Return on Assets (YTD, annualized)

4.56%+9 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 1995Q1 1996Q2 1996Q3 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets4.46%4.86%4.70%n/a4.56%+9 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)15.66%20.02%15.52%18.28%16.56%+90 bps
Loan Growth (YoY)8.76%7.03%8.99%16.52%21.26%+1,250 bps
Share Growth (YoY)15.86%20.79%15.66%18.36%16.24%+38 bps
Asset Quality
Delinquent Loans / Loans0.20%0.22%0.27%0.25%0.24%+4 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.99%1.02%0.98%0.96%0.91%-8 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 / Shares78.53%72.23%73.90%78.40%81.92%+339 bps
Liquid Assets / Assets17.30%16.17%9.87%6.01%6.16%-1,115 bps