PackageTrendsPeer
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Bluestem

El Dorado, KS · Charter 621

Q2 1999

$6.0MAssets
$3.4MLoans
$5.3MShares
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 3.79%, down 26 bps year over year.
  • Asset quality: problem loans at 0.04% of loans (-10 bps YoY).
  • Funding: loans stand at 64.45% of shares as of Q2 1999.

Financial Results

Return on Assets (quarter, annualized)

3.79%-26 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets4.05%4.37%4.31%4.13%3.79%-26 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)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 / Loans0.14%0.44%0.35%0.51%0.04%-10 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.38%0.44%0.83%0.98%0.96%+58 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 / Shares69.96%73.34%68.67%66.11%64.45%-551 bps
Liquid Assets / Assets24.45%29.29%30.50%34.61%36.17%+1,172 bps