PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

United Consumers

Kansas City, MO · Charter 4212

Q2 1999

$77.4MAssets
$38.2MLoans
$68.2MShares
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 4.06%, down 31 bps year over year.
  • Asset quality: problem loans at 0.35% of loans (-32 bps YoY).
  • Funding: loans stand at 56.07% of shares as of Q2 1999.

Financial Results

Return on Assets (YTD, annualized)

4.06%-31 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 1998Q3 1998Q4 1998Q1 1999Q2 1999YoY ΔTrend
Earnings
Return on Assets4.37%4.31%4.17%4.03%4.06%-31 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)4.57%4.29%6.77%5.81%7.33%+276 bps
Loan Growth (YoY)8.41%8.58%6.49%1.01%1.98%-643 bps
Share Growth (YoY)4.14%4.81%7.10%5.84%7.71%+357 bps
Asset Quality
Delinquent Loans / Loans0.67%0.54%0.57%0.57%0.35%-32 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.77%0.74%0.76%0.79%0.77%0 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 / Shares59.22%61.68%58.89%55.49%56.07%-315 bps
Liquid Assets / Assets22.50%20.59%25.11%25.42%23.59%+109 bps