PackageTrendsPeer
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Insurance Employee

Fort Wayne, IN · Charter 4922

Q2 1998

$29.7MAssets
$20.2MLoans
$27.4MShares
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 3.24%, down 58 bps year over year.
  • Asset quality: problem loans at 0.89% of loans (+75 bps YoY).
  • Funding: loans stand at 73.70% of shares as of Q2 1998.

Financial Results

Return on Assets (YTD, annualized)

3.24%-58 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 Assets3.82%3.90%3.94%4.09%3.24%-58 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)10.85%16.09%16.31%9.78%5.17%-567 bps
Loan Growth (YoY)20.34%16.99%19.17%15.15%3.15%-1,719 bps
Share Growth (YoY)10.27%15.86%16.03%9.09%4.57%-570 bps
Asset Quality
Delinquent Loans / Loans0.14%1.24%0.38%0.62%0.89%+75 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.14%0.19%0.32%0.38%0.46%+32 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 / Shares74.71%80.89%78.00%79.61%73.70%-102 bps
Liquid Assets / Assets13.41%11.37%13.64%19.45%26.64%+1,323 bps