PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Educators

Omaha, NE · Charter 63499

Q4 1999

$14.4MAssets
$9.9MLoans
$11.9MShares
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 0.05%, down 313 bps year over year; NIM at 4.36%.
  • Asset quality: problem loans at 0.09% of loans (-56 bps YoY).
  • Funding: loans stand at 83.65% of shares as of Q4 1999.

Financial Results

Return on Assets (YTD, annualized)

0.05%-313 bps YoY

Net Interest Margin (YTD, annualized)

4.36%

Efficiency Ratio (YTD, annualized)

98.50%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets3.18%2.74%2.96%2.62%0.05%-313 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a4.36%n/an/a
Efficiency Ration/an/an/an/a98.50%n/an/a
Growth
Asset Growth (YoY)-1.47%-4.68%1.33%5.46%7.25%+872 bps
Loan Growth (YoY)-0.76%-3.82%0.47%7.49%12.01%+1,277 bps
Share Growth (YoY)-3.06%-6.55%0.30%5.49%7.80%+1,086 bps
Asset Quality
Delinquent Loans / Loans0.64%0.45%0.20%0.20%0.09%-56 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.28%0.21%0.22%0.23%0.15%-13 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 / Shares80.51%80.73%78.68%78.65%83.65%+314 bps
Liquid Assets / Assets10.29%11.38%11.29%15.61%2.94%-735 bps