PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Area Catholic

Sioux City, IA · Charter 64220

Q2 1999

$6.9MAssets
$5.1MLoans
$6.1MShares
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 3.28%, down 35 bps year over year.
  • Asset quality: problem loans at 0.73% of loans (+54 bps YoY).
  • Funding: loans stand at 82.70% of shares as of Q2 1999.

Financial Results

Return on Assets (quarter, annualized)

3.28%-35 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 Assets3.62%3.91%3.29%3.58%3.28%-35 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)6.36%3.01%5.07%9.38%7.33%+97 bps
Loan Growth (YoY)-3.06%1.40%19.39%6.75%5.66%+872 bps
Share Growth (YoY)4.24%0.83%3.48%8.30%6.41%+217 bps
Asset Quality
Delinquent Loans / Loans0.18%0.15%0.25%0.61%0.73%+54 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.45%0.43%0.53%0.66%0.65%+20 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 / Shares83.29%92.77%88.27%84.14%82.70%-58 bps
Liquid Assets / Assets19.70%12.72%14.83%21.77%21.11%+141 bps