PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Third United Methodist

Decatur, IL · Charter 62456

Q4 1998

$298KAssets
$87KLoans
$246KShares
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 1.89%, down 170 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (-1,137 bps YoY).
  • Funding: loans stand at 35.55% of shares as of Q4 1998.

Financial Results

Return on Assets (quarter, annualized)

1.89%-170 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 Assets3.59%3.43%2.93%-0.48%1.89%-170 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)-16.55%-16.83%-14.70%-18.63%-28.29%-1,174 bps
Loan Growth (YoY)33.91%-8.76%-12.95%-24.47%-31.36%-6,527 bps
Share Growth (YoY)-18.83%-19.53%-16.67%-19.43%-31.89%-1,306 bps
Asset Quality
Delinquent Loans / Loans11.37%9.14%23.41%26.27%0.00%-1,137 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.26%4.73%1.22%2.29%3.24%-2 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 / Shares35.27%31.16%31.90%32.21%35.55%+27 bps
Liquid Assets / Assets58.62%27.97%23.66%70.48%67.00%+838 bps