PackageTrendsPeer
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Rac

St. Louis, MO · Charter 63496

Q2 1999

$7.2MAssets
$6.0MLoans
$6.7MShares
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 1.39%, down 158 bps year over year.
  • Asset quality: problem loans at 2.18% of loans (+32 bps YoY).
  • Funding: loans stand at 90.05% of shares as of Q2 1999.

Financial Results

Return on Assets (quarter, annualized)

1.39%-158 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 Assets2.96%2.36%1.52%-0.18%1.39%-158 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)-3.46%3.15%9.16%13.06%6.43%+989 bps
Loan Growth (YoY)18.34%23.43%43.07%25.06%28.41%+1,007 bps
Share Growth (YoY)-5.28%2.97%11.11%17.84%12.32%+1,760 bps
Asset Quality
Delinquent Loans / Loans1.86%2.54%3.09%2.65%2.18%+32 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.97%1.90%1.81%2.99%2.72%+75 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 / Shares78.77%84.82%80.31%76.97%90.05%+1,128 bps
Liquid Assets / Assets24.50%18.27%19.72%23.05%7.49%-1,702 bps