PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Concora Anderson Employees

Anderson, IN · Charter 2747

Q2 1998

$399KAssets
$276KLoans
$345KShares
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 1.82%, down 81 bps year over year.
  • Asset quality: problem loans at 1.97% of loans (-649 bps YoY).
  • Funding: loans stand at 79.87% of shares as of Q2 1998.

Financial Results

Return on Assets (YTD, annualized)

1.82%-81 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.

MetricQ2 1996Q4 1996Q2 1997Q4 1997Q2 1998YoY ΔTrend
Earnings
Return on Assets2.63%2.80%0.28%-0.08%1.82%-81 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)-13.20%-15.54%-18.67%-17.82%-16.70%-350 bps
Loan Growth (YoY)16.63%-0.56%-20.56%-19.03%-17.26%-3,389 bps
Share Growth (YoY)-13.52%-16.60%-19.40%-18.75%-17.89%-437 bps
Asset Quality
Delinquent Loans / Loans8.46%2.67%4.44%0.00%1.97%-649 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.09%3.86%2.75%0.82%1.43%-166 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 / Shares79.26%73.00%77.76%83.38%79.87%+61 bps
Liquid Assets / Assets27.61%30.13%26.02%23.86%28.13%+53 bps