PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Imperial

El Centro, CA · Charter 4949

Q4 1997

$25.6MAssets
$16.9MLoans
$21.4MShares
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 3.98%, down 118 bps year over year.
  • Asset quality: problem loans at 0.37% of loans (+30 bps YoY).
  • Funding: loans stand at 79.33% of shares as of Q4 1997.

Financial Results

Return on Assets (YTD, annualized)

3.98%-118 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 Assets5.16%3.31%3.58%3.86%3.98%-118 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-4.38%2.52%8.60%7.31%n/a
Loan Growth (YoY)n/a-0.73%4.10%10.92%9.15%n/a
Share Growth (YoY)n/a-8.17%-1.44%7.07%5.82%n/a
Asset Quality
Delinquent Loans / Loans0.08%0.52%0.42%0.38%0.37%+30 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.41%0.55%0.55%0.57%0.60%+20 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 / Shares76.91%75.11%82.25%78.90%79.33%+242 bps
Liquid Assets / Assets17.50%17.30%16.44%19.74%18.51%+101 bps