PackageTrendsPeer
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Pottery

Robinson, IL · Charter 60901

Q2 1999

$378KAssets
$230KLoans
$228KShares
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 6.60%, up 275 bps year over year.
  • Asset quality: problem loans at 4.64% of loans (+295 bps YoY).
  • Funding: loans stand at 100.96% of shares as of Q2 1999.

Financial Results

Return on Assets (YTD, annualized)

6.60%+275 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 Assets3.85%4.27%3.82%4.61%6.60%+275 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)-3.66%0.30%4.14%-0.81%-53.48%-4,981 bps
Loan Growth (YoY)15.84%20.37%17.82%-13.79%-47.52%-6,336 bps
Share Growth (YoY)-4.89%0.55%4.49%-1.37%-65.69%-6,080 bps
Asset Quality
Delinquent Loans / Loans1.69%2.25%2.10%3.07%4.64%+295 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.00%0.69%1.10%0.51%0.83%-17 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 / Shares66.00%67.73%52.83%59.55%100.96%+3,496 bps
Liquid Assets / Assets40.00%42.49%47.14%42.73%19.39%-2,061 bps