PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Clopay Employees

Cincinnati, OH · Charter 4974

Q2 1999

$2.6MAssets
$2.3MLoans
$2.5MShares
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 3.73%, down 52 bps year over year.
  • Asset quality: problem loans at 2.32% of loans (-171 bps YoY).
  • Funding: loans stand at 93.01% of shares as of Q2 1999.

Financial Results

Return on Assets (YTD, annualized)

3.73%-52 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 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets4.24%3.53%4.14%3.73%3.73%-52 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)12.55%15.90%30.95%35.97%-6.16%-1,871 bps
Loan Growth (YoY)4.95%27.38%25.01%23.50%6.41%+146 bps
Share Growth (YoY)11.38%15.21%30.75%36.83%-3.63%-1,501 bps
Asset Quality
Delinquent Loans / Loans4.03%4.44%4.90%3.01%2.32%-171 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.08%2.48%2.51%2.59%2.05%-3 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 / Shares84.24%91.02%79.07%83.38%93.01%+877 bps
Liquid Assets / Assets15.57%6.04%23.92%17.87%4.76%-1,081 bps