PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Osceola Community

Reed City, MI · Charter 61975

Q2 2000

$108KAssets
$58KLoans
$83KShares
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 0.31%, down 266 bps year over year; NIM at 6.46%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 70.02% of shares as of Q2 2000.

Financial Results

Return on Assets (YTD, annualized)

0.31%-266 bps YoY

Net Interest Margin (YTD, annualized)

6.46%

Efficiency Ratio (YTD, annualized)

95.31%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000YoY ΔTrend
Earnings
Return on Assets2.97%3.53%3.12%0.76%0.31%-266 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a6.62%6.46%n/a
Efficiency Ration/an/an/a89.02%95.31%n/a
Growth
Asset Growth (YoY)-8.07%-0.28%11.72%20.86%9.95%+1,802 bps
Loan Growth (YoY)6.12%-8.45%20.02%-4.25%-16.82%-2,294 bps
Share Growth (YoY)-12.12%-3.77%11.71%24.36%10.63%+2,274 bps
Asset Quality
Delinquent Loans / Loans0.00%1.62%1.24%2.39%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.93%2.21%2.05%2.26%2.31%+39 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 / Shares93.12%81.55%83.20%66.75%70.02%-2,310 bps
Liquid Assets / Assets10.65%15.28%7.75%0.00%9.28%-137 bps