PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Peerless Pump Employees

Whittier, CA · Charter 24328

Q2 1999

$1.2MAssets
$762KLoans
$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 2.98%, up 13 bps year over year.
  • Asset quality: problem loans at 1.43% of loans (-365 bps YoY).
  • Funding: loans stand at 71.70% of shares as of Q2 1999.

Financial Results

Return on Assets (quarter, annualized)

2.98%+13 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets2.84%1.99%2.78%2.70%2.98%+13 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)-12.41%4.11%-8.27%-14.39%-11.91%+50 bps
Loan Growth (YoY)-18.44%-24.99%-12.62%-7.86%0.22%+1,866 bps
Share Growth (YoY)-13.50%5.68%-8.55%-16.12%-13.30%+20 bps
Asset Quality
Delinquent Loans / Loans5.09%4.69%2.07%1.47%1.43%-365 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.88%2.92%1.85%2.14%2.51%-37 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 / Shares62.03%54.03%70.66%68.93%71.70%+968 bps
Liquid Assets / Assets21.81%29.12%14.01%16.58%36.32%+1,451 bps