Pelkie, MI · Charter 63105
Q2 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1999, the quarter ended June 30, 1999, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Pelkie, MI · Charter 63105
Q2 1999
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.70% | 3.52% | 4.05% | 2.41% | 3.70% | -100 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 71.15% | 79.97% | 63.24% | 8.52% | 1.49% | -6,966 bps | |
| Loan Growth (YoY) | 95.28% | 102.91% | 47.30% | -10.52% | -20.81% | -11,609 bps | |
| Share Growth (YoY) | 68.21% | 87.68% | 73.02% | 22.06% | 10.48% | -5,773 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.10% | 3.04% | 3.65% | 14.91% | 2.50% | -60 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.01% | 1.66% | 2.17% | 3.14% | 1.88% | +88 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 92.18% | 81.69% | 77.99% | 72.60% | 66.07% | -2,611 bps | |
| Liquid Assets / Assets | 4.21% | 11.20% | 13.95% | 18.32% | 21.11% | +1,690 bps | |