PackageTrendsPeer
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Communityamerica

Shawnee Mission, KS · Charter 61435

Q2 1998

$171.2MAssets
$136.6MLoans
$147.9MShares
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 4.90%, down 10 bps year over year.
  • Asset quality: problem loans at 0.26% of loans (-8 bps YoY).
  • Funding: loans stand at 92.37% of shares as of Q2 1998.

Financial Results

Return on Assets (YTD, annualized)

4.90%-10 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 1997Q3 1997Q4 1997Q1 1998Q2 1998YoY ΔTrend
Earnings
Return on Assets5.01%5.06%5.05%4.78%4.90%-10 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)8.73%9.53%9.95%14.16%13.85%+512 bps
Loan Growth (YoY)9.81%14.27%18.88%25.97%29.84%+2,003 bps
Share Growth (YoY)7.72%8.80%9.15%13.56%13.91%+618 bps
Asset Quality
Delinquent Loans / Loans0.34%0.33%0.33%0.29%0.26%-8 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.68%0.66%0.63%0.59%0.59%-9 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 / Shares81.04%85.42%89.44%88.53%92.37%+1,134 bps
Liquid Assets / Assets12.66%12.59%11.77%14.09%10.81%-184 bps