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Aurora Earthmover

Aurora, IL · Charter 61362

Q1 1998

$106.7MAssets
$78.5MLoans
$96.4MShares
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 4.19%, down 12 bps year over year.
  • Asset quality: problem loans at 1.18% of loans (-9 bps YoY).
  • Funding: loans stand at 81.47% of shares as of Q1 1998.

Financial Results

Return on Assets (quarter, annualized)

4.19%-12 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ1 1997Q2 1997Q3 1997Q4 1997Q1 1998YoY ΔTrend
Earnings
Return on Assets4.31%4.40%4.14%4.23%4.19%-12 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)8.86%8.72%2.80%2.42%1.51%-735 bps
Loan Growth (YoY)14.85%11.20%5.09%2.59%-2.88%-1,772 bps
Share Growth (YoY)8.27%7.67%2.50%2.63%1.32%-695 bps
Asset Quality
Delinquent Loans / Loans1.27%1.36%0.99%1.10%1.18%-9 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.82%0.87%0.97%1.07%1.15%+33 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 / Shares84.99%85.88%90.43%89.64%81.47%-352 bps
Liquid Assets / Assets16.11%15.66%10.28%11.92%18.52%+241 bps