PackageTrendsPeer
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Crossroads

Effingham, IL · Charter 61798

Q2 1998

$3.0MAssets
$1.4MLoans
$2.5MShares
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 3.15%, up 12 bps year over year.
  • Asset quality: problem loans at 2.67% of loans (+215 bps YoY).
  • Funding: loans stand at 56.25% of shares as of Q2 1998.

Financial Results

Return on Assets (quarter, annualized)

3.15%+12 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1996Q4 1996Q2 1997Q4 1997Q2 1998YoY ΔTrend
Earnings
Return on Assets3.03%3.94%4.77%4.95%3.15%+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)5.90%11.51%14.73%8.24%8.66%+276 bps
Loan Growth (YoY)26.44%49.14%13.75%4.51%-4.21%-3,065 bps
Share Growth (YoY)5.87%12.26%15.65%6.60%9.70%+383 bps
Asset Quality
Delinquent Loans / Loans0.53%2.25%2.57%3.09%2.67%+215 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.20%1.32%1.86%1.72%1.86%+67 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 / Shares64.43%80.30%66.35%77.09%56.25%-817 bps
Liquid Assets / Assets40.13%27.88%39.65%34.35%49.07%+894 bps