Leonidas, MI · Charter 61891
Q2 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1998, the quarter ended June 30, 1998, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Leonidas, MI · Charter 61891
Q2 1998
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.02% | 2.58% | 1.67% | 2.09% | 1.47% | -155 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -2.69% | 3.71% | 15.17% | -8.98% | -21.76% | -1,908 bps | |
| Loan Growth (YoY) | -15.73% | -24.27% | -13.99% | -17.55% | -25.18% | -945 bps | |
| Share Growth (YoY) | -4.44% | 4.09% | 18.09% | -12.22% | -25.80% | -2,136 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.89% | 2.75% | 3.78% | 4.35% | 2.29% | +41 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.83% | 0.99% | 1.18% | 0.97% | 4.07% | +324 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 83.27% | 74.95% | 78.11% | 88.99% | 83.96% | +69 bps | |
| Liquid Assets / Assets | 10.16% | 24.95% | 25.24% | 22.90% | 36.20% | +2,604 bps | |