El Dorado, KS · Charter 621
Q2 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1999, the quarter ended June 30, 1999, 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.
El Dorado, KS · Charter 621
Q2 1999
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 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.05% | 4.37% | 4.31% | 4.13% | 3.79% | -26 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) | 16.93% | 13.15% | 12.83% | 8.62% | 13.00% | -394 bps | |
| Loan Growth (YoY) | 0.72% | 5.10% | 5.16% | 4.93% | 3.79% | +306 bps | |
| Share Growth (YoY) | 17.24% | 13.35% | 12.98% | 7.96% | 12.66% | -458 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.14% | 0.44% | 0.35% | 0.51% | 0.04% | -10 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.38% | 0.44% | 0.83% | 0.98% | 0.96% | +58 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 | 69.96% | 73.34% | 68.67% | 66.11% | 64.45% | -551 bps | |
| Liquid Assets / Assets | 24.45% | 29.29% | 30.50% | 34.61% | 36.17% | +1,172 bps | |