PackageTrendsPeer
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Ting C.U. of Illinois

Hammond, IL · Charter 60339

Q4 1996

$535KAssets
$390KLoans
$466KShares
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 6 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (-119 bps YoY).
  • Funding: loans stand at 83.66% of shares as of Q4 1996.

Financial Results

Return on Assets (quarter, annualized)

3.24%-6 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1994Q2 1995Q4 1995Q2 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets3.30%4.42%4.14%1.34%3.24%-6 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/an/an/a0.76%-12.05%n/a
Loan Growth (YoY)n/an/an/a-9.55%-12.94%n/a
Share Growth (YoY)n/an/an/a1.07%-13.86%n/a
Asset Quality
Delinquent Loans / Loans1.19%0.05%0.87%0.00%0.00%-119 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.92%0.25%0.40%0.34%0.65%-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 / Shares82.78%96.72%86.05%75.17%83.66%+88 bps
Liquid Assets / Assets25.87%13.31%22.82%31.83%26.28%+40 bps