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Letter portraitLegal landscapeQuarterYTD

International Chemical Workers

Akron, OH · Charter 64388

Q4 1998

$320KAssets
$207KLoans
$263KShares
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 3.60%, down 35 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 78.61% of shares as of Q4 1998.

Financial Results

Return on Assets (quarter, annualized)

3.60%-35 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1996Q2 1997Q4 1997Q2 1998Q4 1998YoY ΔTrend
Earnings
Return on Assets3.95%3.60%3.81%3.23%3.60%-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)-18.70%-34.77%-30.41%-27.65%-24.99%-629 bps
Loan Growth (YoY)-29.55%-37.56%-44.09%-37.81%-31.03%-149 bps
Share Growth (YoY)-21.97%-39.66%-35.41%-32.57%-29.58%-761 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.23%1.37%1.57%1.57%1.79%+55 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 / Shares80.26%97.93%86.42%92.28%78.61%-165 bps
Liquid Assets / Assets8.79%13.31%13.43%13.54%13.88%+508 bps