PackageTrendsPeer
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Sugar Creek

Lima, OH · Charter 62512

Q2 1997

$2.4MAssets
$1.5MLoans
$2.1MShares
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 4.22%, down 50 bps year over year.
  • Asset quality: problem loans at 1.76% of loans (-8 bps YoY).
  • Funding: loans stand at 70.73% of shares as of Q2 1997.

Financial Results

Return on Assets (YTD, annualized)

4.22%-50 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 Assets4.72%4.99%4.51%5.00%4.22%-50 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/a14.22%7.64%9.40%n/a
Loan Growth (YoY)n/an/a13.49%15.35%-3.19%n/a
Share Growth (YoY)n/an/a11.90%4.77%8.41%n/a
Asset Quality
Delinquent Loans / Loans1.83%1.95%1.58%1.61%1.76%-8 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.91%0.82%0.91%1.01%1.04%+12 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 / Shares79.22%78.11%73.24%82.55%70.73%-848 bps
Liquid Assets / Assets16.62%26.25%29.68%24.34%33.56%+1,694 bps