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Streator-St. Mary's

Streator, IL · Charter 23589

Q4 1997

$744KAssets
$421KLoans
$646KShares
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 3.21%, down 46 bps year over year.
  • Asset quality: problem loans at 3.66% of loans (+52 bps YoY).
  • Funding: loans stand at 65.19% of shares as of Q4 1997.

Financial Results

Return on Assets (quarter, annualized)

3.21%-46 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1995Q2 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets3.67%3.41%3.87%2.49%3.21%-46 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-12.14%-8.99%-6.10%-4.73%n/a
Loan Growth (YoY)n/a9.14%-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 / Loans3.14%3.21%2.57%4.93%3.66%+52 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.45%1.47%1.12%0.12%1.67%+21 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 / Shares68.41%67.80%70.10%54.59%65.19%-323 bps
Liquid Assets / Assets32.94%28.37%30.30%42.77%34.25%+131 bps