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Pelkie-Copper Country Community

Pelkie, MI · Charter 63105

Q2 1999

$6.1MAssets
$4.0MLoans
$6.0MShares
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 3.70%, down 100 bps year over year.
  • Asset quality: problem loans at 2.50% of loans (-60 bps YoY).
  • Funding: loans stand at 66.07% of shares as of Q2 1999.

Financial Results

Return on Assets (quarter, annualized)

3.70%-100 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets4.70%3.52%4.05%2.41%3.70%-100 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)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 / Loans3.10%3.04%3.65%14.91%2.50%-60 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.01%1.66%2.17%3.14%1.88%+88 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 / Shares92.18%81.69%77.99%72.60%66.07%-2,611 bps
Liquid Assets / Assets4.21%11.20%13.95%18.32%21.11%+1,690 bps