PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

School Dist. #194 Employees

Chicago Heights, IL · Charter 61568

Q4 1997

$449KAssets
$191KLoans
$394KShares
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 3.18%, up 16 bps year over year.
  • Asset quality: problem loans at 8.54% of loans (+854 bps YoY).
  • Funding: loans stand at 48.42% of shares as of Q4 1997.

Financial Results

Return on Assets (YTD, annualized)

3.18%+16 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.

MetricQ4 1995Q2 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets3.02%3.86%2.71%2.97%3.18%+16 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/a-15.98%-8.66%-9.39%-9.01%n/a
Loan Growth (YoY)n/a9.60%-11.96%-39.04%-41.32%n/a
Share Growth (YoY)n/a-18.68%-10.73%-10.97%-9.92%n/a
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%8.54%+854 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.78%3.09%3.27%3.95%4.74%+196 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 / Shares74.33%69.97%64.85%50.05%48.42%-2,591 bps
Liquid Assets / Assets34.55%37.91%43.50%54.81%57.77%+2,322 bps