PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Teamsters

St. Louis, MO · Charter 62186

Q4 1998

$7.5MAssets
$5.1MLoans
$7.1MShares
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 1.46%, down 244 bps year over year.
  • Asset quality: problem loans at 4.16% of loans (-96 bps YoY).
  • Funding: loans stand at 72.00% of shares as of Q4 1998.

Financial Results

Return on Assets (quarter, annualized)

1.46%-244 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1996Q2 1997Q4 1997Q2 1998Q4 1998YoY ΔTrend
Earnings
Return on Assets3.90%3.71%4.25%2.70%1.46%-244 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)6.44%14.12%10.21%9.36%4.67%-177 bps
Loan Growth (YoY)1.93%6.96%2.24%-0.32%-20.01%-2,194 bps
Share Growth (YoY)5.79%14.41%10.55%9.29%7.54%+175 bps
Asset Quality
Delinquent Loans / Loans5.11%4.95%7.54%3.35%4.16%-96 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.89%3.41%4.40%2.32%5.17%+128 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 / Shares96.80%87.47%89.51%77.75%72.00%-2,480 bps
Liquid Assets / Assets7.28%9.85%9.27%15.21%29.58%+2,230 bps