PackageTrendsPeer
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Highland Park School Emp.

Highland Park, MI · Charter 60260

Q4 1998

$1.1MAssets
$526KLoans
$909KShares
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 2.89%, down 115 bps year over year.
  • Asset quality: problem loans at 2.46% of loans (-365 bps YoY).
  • Funding: loans stand at 57.84% of shares as of Q4 1998.

Financial Results

Return on Assets (YTD, annualized)

2.89%-115 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 1996Q2 1997Q4 1997Q2 1998Q4 1998YoY ΔTrend
Earnings
Return on Assets4.04%2.89%2.20%2.16%2.89%-115 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)-24.87%-19.22%-12.93%-4.54%-4.26%+2,061 bps
Loan Growth (YoY)3.89%-13.11%-28.05%-29.77%-31.20%-3,510 bps
Share Growth (YoY)-28.97%-22.67%-14.54%-4.05%-3.46%+2,551 bps
Asset Quality
Delinquent Loans / Loans6.11%7.43%4.50%2.28%2.46%-365 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.38%1.89%1.94%1.86%2.11%-27 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 / Shares81.16%64.65%61.83%58.24%57.84%-2,332 bps
Liquid Assets / Assets28.90%39.65%36.92%44.97%42.88%+1,398 bps