PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Quaker Oats Employees

St. Joseph, MO · Charter 64096

Q4 1999

$4.5MAssets
$2.6MLoans
$3.8MShares
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 1.46%, down 391 bps year over year; NIM at 4.06%.
  • Asset quality: problem loans at 0.12% of loans (-15 bps YoY).
  • Funding: loans stand at 68.09% of shares as of Q4 1999.

Financial Results

Return on Assets (quarter, annualized)

1.46%-391 bps YoY

Net Interest Margin (quarter, annualized)

4.06%

Efficiency Ratio (quarter, annualized)

63.15%

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets5.37%4.83%4.98%4.70%1.46%-391 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a4.06%n/an/a
Efficiency Ration/an/an/an/a63.15%n/an/a
Growth
Asset Growth (YoY)11.34%20.33%11.21%7.46%3.07%-827 bps
Loan Growth (YoY)2.38%2.50%-2.29%-4.66%-7.37%-975 bps
Share Growth (YoY)10.71%20.08%10.68%5.81%0.54%-1,017 bps
Asset Quality
Delinquent Loans / Loans0.26%0.00%0.03%0.61%0.12%-15 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.38%0.16%0.16%0.07%0.08%-30 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 / Shares73.90%68.22%68.30%67.84%68.09%-581 bps
Liquid Assets / Assets34.41%39.09%37.17%39.50%0.00%-3,441 bps