PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Chemical and Plastic Employees

Painesville, OH · Charter 61270

Q4 1998

$3.3MAssets
$1.6MLoans
$3.0MShares
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 3.42%, down 9 bps year over year.
  • Asset quality: problem loans at 0.90% of loans (-74 bps YoY).
  • Funding: loans stand at 54.05% of shares as of Q4 1998.

Financial Results

Return on Assets (quarter, annualized)

3.42%-9 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1996Q2 1997Q4 1997Q2 1998Q4 1998YoY ΔTrend
Earnings
Return on Assets3.51%3.71%3.82%3.73%3.42%-9 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)-4.54%4.12%-4.63%-1.39%13.44%+1,798 bps
Loan Growth (YoY)9.59%1.33%10.49%1.31%-13.73%-2,332 bps
Share Growth (YoY)-6.64%2.42%-6.85%-3.25%13.16%+1,979 bps
Asset Quality
Delinquent Loans / Loans1.64%0.78%0.41%0.71%0.90%-74 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.68%0.78%0.73%0.55%0.47%-21 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 / Shares70.89%73.46%82.55%68.61%54.05%-1,684 bps
Liquid Assets / Assets22.51%31.33%18.96%29.78%43.77%+2,127 bps