PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

J & J Employees

Romeoville, IL · Charter 62735

Q4 1997

$4.2MAssets
$3.4MLoans
$4.0MShares
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 2.73%, down 125 bps year over year.
  • Asset quality: problem loans at 1.49% of loans (-112 bps YoY).
  • Funding: loans stand at 85.34% of shares as of Q4 1997.

Financial Results

Return on Assets (quarter, annualized)

2.73%-125 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1995Q2 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets3.98%3.93%3.86%3.08%2.73%-125 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/a12.70%0.96%-7.94%-15.47%n/a
Loan Growth (YoY)n/a1.05%-15.81%-15.12%-20.36%n/a
Share Growth (YoY)n/a11.45%1.43%-9.52%-15.15%n/a
Asset Quality
Delinquent Loans / Loans2.61%2.34%3.95%3.42%1.49%-112 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.92%2.09%2.27%2.32%0.24%-168 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 / Shares90.92%88.24%86.26%89.74%85.34%-558 bps
Liquid Assets / Assets12.32%14.84%17.35%15.27%18.50%+617 bps