PackageTrendsPeer
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Telco Community

Des Moines, IA · Charter 63889

Q4 1998

$22.4MAssets
$15.9MLoans
$20.0MShares
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 3.77%, up 58 bps year over year.
  • Asset quality: problem loans at 0.13% of loans (-36 bps YoY).
  • Funding: loans stand at 79.32% of shares as of Q4 1998.

Financial Results

Return on Assets (YTD, annualized)

3.77%+58 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ4 1996Q2 1997Q4 1997Q2 1998Q4 1998YoY ΔTrend
Earnings
Return on Assets3.18%3.30%3.74%3.57%3.77%+58 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)-11.89%-6.79%-10.14%-3.93%5.33%+1,721 bps
Loan Growth (YoY)9.37%14.35%10.45%9.06%7.93%-144 bps
Share Growth (YoY)-11.16%-9.59%-12.42%-5.93%3.24%+1,440 bps
Asset Quality
Delinquent Loans / Loans0.48%0.13%0.31%0.16%0.13%-36 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.57%1.47%1.40%1.37%1.29%-28 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 / Shares75.87%77.34%86.92%81.00%79.32%+345 bps
Liquid Assets / Assets15.99%17.65%9.07%18.34%20.42%+443 bps