PackageTrendsPeer
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Reliance Ashtabula

Ashtabula, OH · Charter 60977

Q2 1997

$4.7MAssets
$2.5MLoans
$4.0MShares
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 2.86%, down 102 bps year over year.
  • Asset quality: problem loans at 3.86% of loans (+276 bps YoY).
  • Funding: loans stand at 63.44% of shares as of Q2 1997.

Financial Results

Return on Assets (YTD, annualized)

2.86%-102 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 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets3.88%3.77%3.50%3.73%2.86%-102 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/a2.11%-2.82%-7.88%n/a
Loan Growth (YoY)n/an/a0.99%-8.51%-17.46%n/a
Share Growth (YoY)n/an/a-0.13%-4.71%-9.75%n/a
Asset Quality
Delinquent Loans / Loans1.10%3.17%3.28%4.01%3.86%+276 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.49%0.91%1.24%1.61%1.64%+115 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 / Shares69.37%71.46%61.88%64.19%63.44%-593 bps
Liquid Assets / Assets31.62%33.02%31.04%30.86%38.74%+712 bps