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KY. Co. Chem.

Louisville, KY · Charter 62501

Q2 1997

$355KAssets
$242KLoans
$282KShares
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 -3.45%, down 690 bps year over year.
  • Asset quality: problem loans at 7.18% of loans (+628 bps YoY).
  • Funding: loans stand at 85.63% of shares as of Q2 1997.

Financial Results

Return on Assets (YTD, annualized)

-3.45%-690 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 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets3.45%3.42%3.56%4.34%-3.45%-690 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)n/an/a-8.63%-10.44%-9.47%n/a
Loan Growth (YoY)n/an/a11.20%-6.46%-25.80%n/a
Share Growth (YoY)n/an/a-13.07%-15.33%-10.50%n/a
Asset Quality
Delinquent Loans / Loans0.90%8.22%13.76%9.55%7.18%+628 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.90%2.73%4.63%1.95%5.62%+472 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 / Shares103.30%109.97%101.56%103.13%85.63%-1,767 bps
Liquid Assets / Assets10.78%12.60%11.35%12.68%13.27%+249 bps