PackageTrendsPeer
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Erie Shores

Toledo, OH · Charter 4443

Q2 1998

$24.8MAssets
$14.5MLoans
$19.9MShares
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 3.50%, down 45 bps year over year.
  • Asset quality: problem loans at 1.59% of loans (+51 bps YoY).
  • Funding: loans stand at 72.82% of shares as of Q2 1998.

Financial Results

Return on Assets (YTD, annualized)

3.50%-45 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 Assets3.95%3.85%3.59%3.56%3.50%-45 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)-12.45%-8.76%-7.48%-5.49%-5.78%+667 bps
Loan Growth (YoY)19.89%2.52%1.21%-1.80%-8.08%-2,797 bps
Share Growth (YoY)-15.07%-14.82%-11.90%-8.93%-9.02%+605 bps
Asset Quality
Delinquent Loans / Loans1.08%1.30%1.99%0.86%1.59%+51 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.60%0.46%0.58%0.61%0.53%-7 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 / Shares72.08%77.40%78.64%79.10%72.82%+74 bps
Liquid Assets / Assets24.18%17.88%16.97%21.94%31.67%+750 bps