PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

St. Sylvester Parish

Warren, MI · Charter 62434

Q2 1999

$1.1MAssets
$471KLoans
$887KShares
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 0.46%, down 175 bps year over year.
  • Asset quality: problem loans at 0.27% of loans (-211 bps YoY).
  • Funding: loans stand at 53.14% of shares as of Q2 1999.

Financial Results

Return on Assets (YTD, annualized)

0.46%-175 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets2.21%2.67%1.13%1.23%0.46%-175 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)-7.29%-10.62%-13.71%-13.30%-21.24%-1,395 bps
Loan Growth (YoY)-39.18%-37.83%-29.45%-29.75%-27.43%+1,175 bps
Share Growth (YoY)-5.77%-9.86%-13.09%-14.95%-23.73%-1,796 bps
Asset Quality
Delinquent Loans / Loans2.38%2.15%4.37%5.35%0.27%-211 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.40%2.01%1.72%2.03%2.22%-118 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 / Shares55.84%55.89%51.26%56.80%53.14%-271 bps
Liquid Assets / Assets49.07%46.90%52.67%46.17%47.26%-181 bps