PackageTrendsPeer
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Sun Country

Sun City West, AZ · Charter 22640

Q4 1998

$19.6MAssets
$14.4MLoans
$18.5MShares
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 3.94%, up 111 bps year over year.
  • Asset quality: problem loans at 0.94% of loans (-44 bps YoY).
  • Funding: loans stand at 77.62% of shares as of Q4 1998.

Financial Results

Return on Assets (YTD, annualized)

3.94%+111 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 1996Q2 1997Q4 1997Q2 1998Q4 1998YoY ΔTrend
Earnings
Return on Assets2.82%4.35%4.26%4.21%3.94%+111 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)11.39%12.47%17.46%12.56%18.84%+745 bps
Loan Growth (YoY)20.06%13.01%8.35%3.59%-5.10%-2,516 bps
Share Growth (YoY)12.89%12.24%17.73%12.27%18.00%+511 bps
Asset Quality
Delinquent Loans / Loans1.38%1.32%1.37%1.34%0.94%-44 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.89%0.97%0.84%0.95%0.92%+3 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 / Shares96.51%92.30%87.48%86.70%77.62%-1,889 bps
Liquid Assets / Assets2.63%7.21%11.56%13.00%18.99%+1,636 bps