PackageTrendsPeer
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Precision Steel

Franklin Park, IL · Charter 64327

Q4 1996

$118KAssets
$100KLoans
$91KShares
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 -49.15%, down 5,619 bps year over year.
  • Asset quality: problem loans at 9.85% of loans (+985 bps YoY).
  • Funding: loans stand at 110.52% of shares as of Q4 1996.

Financial Results

Return on Assets (YTD, annualized)

-49.15%-5,619 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 1994Q2 1995Q4 1995Q2 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets7.05%5.81%6.14%-6.27%-49.15%-5,619 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)n/an/an/a-14.48%-58.13%n/a
Loan Growth (YoY)n/an/an/a-21.72%-59.58%n/a
Share Growth (YoY)n/an/an/a-17.00%-64.17%n/a
Asset Quality
Delinquent Loans / Loans0.00%1.41%9.11%23.38%9.85%+985 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.10%1.45%1.19%0.59%7.35%+525 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 / Shares97.97%94.28%101.13%80.08%110.52%+1,255 bps
Liquid Assets / Assets1.61%12.32%0.93%20.02%0.01%-160 bps