PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Blackfoot Educators'

Blackfoot, ID · Charter 64843

Q2 1999

$4.1MAssets
$2.6MLoans
$4.1MShares
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 5.37%, down 50 bps year over year.
  • Asset quality: problem loans at 12.60% of loans (+559 bps YoY).
  • Funding: loans stand at 64.64% of shares as of Q2 1999.

Financial Results

Return on Assets (YTD, annualized)

5.37%-50 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.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets5.88%5.65%-9.16%-10.60%5.37%-50 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)76.32%78.16%52.71%14.39%-15.09%-9,141 bps
Loan Growth (YoY)52.27%53.76%40.15%-9.24%-31.68%-8,395 bps
Share Growth (YoY)88.74%93.72%82.58%25.15%-9.82%-9,856 bps
Asset Quality
Delinquent Loans / Loans7.00%9.20%8.58%9.82%12.60%+559 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.14%1.21%9.49%11.55%10.02%+888 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 / Shares85.32%82.87%80.52%68.34%64.64%-2,068 bps
Liquid Assets / Assets12.74%15.98%18.70%19.29%36.28%+2,354 bps