PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Erath Unit Employees

Erath, LA · Charter 61789

Q2 1999

$268KAssets
$164KLoans
$192KShares
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 -0.96%, down 497 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 85.49% of shares as of Q2 1999.

Financial Results

Return on Assets (quarter, annualized)

-0.96%-497 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets4.01%3.42%3.20%3.36%-0.96%-497 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)12.25%20.91%-7.27%-12.33%-31.47%-4,372 bps
Loan Growth (YoY)-1.44%-14.37%-1.33%-8.83%-32.35%-3,091 bps
Share Growth (YoY)11.97%27.26%-8.57%-14.45%-37.10%-4,907 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.54%0.67%0.58%0.59%0.79%+26 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 / Shares79.49%58.81%83.33%97.93%85.49%+600 bps
Liquid Assets / Assets17.90%31.51%28.76%16.28%0.00%-1,790 bps