PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Rudyard Pickford Co-op

Rudyard, MI · Charter 61996

Q2 2000

$11.1MAssets
$8.4MLoans
$10.5MShares
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 0.83%, down 277 bps year over year; NIM at 5.45%.
  • Asset quality: problem loans at 1.12% of loans (-115 bps YoY).
  • Funding: loans stand at 80.48% of shares as of Q2 2000.

Financial Results

Return on Assets (YTD, annualized)

0.83%-277 bps YoY

Net Interest Margin (YTD, annualized)

5.45%

Efficiency Ratio (YTD, annualized)

75.51%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000YoY ΔTrend
Earnings
Return on Assets3.60%2.81%0.88%-2.01%0.83%-277 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a4.86%5.45%n/a
Efficiency Ration/an/an/a90.20%75.51%n/a
Growth
Asset Growth (YoY)48.55%38.63%16.48%-1.07%-6.46%-5,501 bps
Loan Growth (YoY)58.53%38.44%13.08%2.03%-1.66%-6,020 bps
Share Growth (YoY)50.05%46.58%24.44%15.78%-1.31%-5,137 bps
Asset Quality
Delinquent Loans / Loans2.27%2.81%3.38%1.00%1.12%-115 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.44%0.77%0.75%1.24%1.59%+115 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 / Shares80.76%74.81%72.83%79.97%80.48%-28 bps
Liquid Assets / Assets4.93%5.23%2.89%0.89%1.41%-352 bps