PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Roper Employees

Kankakee, IL · Charter 60698

Q2 1996

$3.8MAssets
$806KLoans
$3.5MShares
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 7.57%, up 555 bps year over year.
  • Asset quality: problem loans at 3.45% of loans (+199 bps YoY).
  • Funding: loans stand at 23.01% of shares as of Q2 1996.

Financial Results

Return on Assets (YTD, annualized)

7.57%+555 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 1994Q4 1994Q2 1995Q4 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets2.02%2.52%3.80%3.79%7.57%+555 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/an/a-11.58%n/an/a
Loan Growth (YoY)n/an/an/an/a-10.27%n/an/a
Share Growth (YoY)n/an/an/an/a-12.02%n/an/a
Asset Quality
Delinquent Loans / Loans1.46%1.21%0.87%3.45%3.45%+199 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.79%2.81%3.01%3.31%3.31%+52 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 / Shares22.56%23.74%24.57%23.01%23.01%+45 bps
Liquid Assets / Assets78.19%77.31%77.26%78.18%78.18%-1 bps