PackageTrendsPeer
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City Link

Cleveland, OH · Charter 3053

Q4 1997

$4.7MAssets
$3.2MLoans
$4.0MShares
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 1.80%, down 186 bps year over year.
  • Asset quality: problem loans at 4.69% of loans (+101 bps YoY).
  • Funding: loans stand at 79.69% of shares as of Q4 1997.

Financial Results

Return on Assets (YTD, annualized)

1.80%-186 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 1995Q2 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets3.66%3.41%3.11%2.12%1.80%-186 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-7.16%-9.59%-17.25%-22.32%n/a
Loan Growth (YoY)n/a33.85%23.41%10.84%-6.55%n/a
Share Growth (YoY)n/a-9.99%-11.90%-19.71%-24.58%n/a
Asset Quality
Delinquent Loans / Loans3.68%5.79%5.48%6.42%4.69%+101 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.26%1.54%0.87%1.36%1.40%+14 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 / Shares64.32%65.36%72.64%80.90%79.69%+1,537 bps
Liquid Assets / Assets22.58%33.48%25.52%23.09%21.93%-65 bps