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Peru Catholic

Peru, IL · Charter 61841

Q4 1996

$205KAssets
$180KLoans
$178KShares
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 2.77%, down 57 bps year over year.
  • Asset quality: problem loans at 13.72% of loans (+502 bps YoY).
  • Funding: loans stand at 101.32% of shares as of Q4 1996.

Financial Results

Return on Assets (quarter, annualized)

2.77%-57 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1994Q2 1995Q4 1995Q2 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets3.34%1.42%2.74%1.63%2.77%-57 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/an/an/a-25.69%-23.29%n/a
Loan Growth (YoY)n/an/an/a3.62%-9.50%n/a
Share Growth (YoY)n/an/an/a-27.39%-25.87%n/a
Asset Quality
Delinquent Loans / Loans8.70%7.33%3.39%7.71%13.72%+502 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.69%1.72%1.95%2.21%1.83%+14 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 / Shares82.99%95.14%97.09%96.99%101.32%+1,833 bps
Liquid Assets / Assets23.90%12.60%12.35%13.34%11.32%-1,258 bps