Streator, IL · Charter 23589
Q4 1997
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1997, the quarter ended December 31, 1997, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Streator, IL · Charter 23589
Q4 1997
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.67% | 3.41% | 3.87% | 2.49% | 3.21% | -46 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | n/a | -12.14% | -8.99% | -6.10% | -4.73% | n/a | |
| Loan Growth (YoY) | n/a | 9.14% | -10.30% | -22.24% | -11.18% | n/a | |
| Share Growth (YoY) | n/a | -14.65% | -11.64% | -7.81% | -6.78% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.14% | 3.21% | 2.57% | 4.93% | 3.66% | +52 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.45% | 1.47% | 1.12% | 0.12% | 1.67% | +21 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 68.41% | 67.80% | 70.10% | 54.59% | 65.19% | -323 bps | |
| Liquid Assets / Assets | 32.94% | 28.37% | 30.30% | 42.77% | 34.25% | +131 bps | |