Streator, IL · Charter 62308
Q4 1998
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 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.77% | 4.54% | 5.38% | 4.87% | 5.23% | +46 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) | 4.29% | 4.57% | -4.20% | -12.40% | -10.93% | -1,521 bps | |
| Loan Growth (YoY) | 13.16% | -1.84% | -9.91% | -22.18% | -35.95% | -4,911 bps | |
| Share Growth (YoY) | 2.49% | 3.16% | -7.88% | -17.24% | -16.43% | -1,892 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.07% | 0.43% | 0.00% | 0.00% | 0.00% | -107 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.51% | 1.12% | 0.92% | 1.23% | 0.34% | -17 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 | 93.56% | 85.82% | 88.98% | 79.40% | 71.71% | -2,186 bps | |
| Liquid Assets / Assets | 19.24% | 25.04% | 23.21% | 31.91% | 35.79% | +1,655 bps | |