PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Elk Grove Township Schools

Arlington Hts, IL · Charter 64911

Q2 1998

$887KAssets
$690KLoans
$714KShares
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 3.77%, down 46 bps year over year.
  • Asset quality: problem loans at 0.40% of loans (-151 bps YoY).
  • Funding: loans stand at 96.67% of shares as of Q2 1998.

Financial Results

Return on Assets (YTD, annualized)

3.77%-46 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 1996Q4 1996Q2 1997Q4 1997Q2 1998YoY ΔTrend
Earnings
Return on Assets4.23%3.83%3.89%3.70%3.77%-46 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)-15.42%-21.76%-11.61%-19.07%-24.01%-859 bps
Loan Growth (YoY)20.47%25.19%1.63%0.53%7.25%-1,323 bps
Share Growth (YoY)-19.10%-25.63%-14.21%-22.83%-28.62%-952 bps
Asset Quality
Delinquent Loans / Loans1.92%0.45%0.51%0.86%0.40%-151 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.63%0.55%0.65%1.30%1.45%+82 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 / Shares64.34%82.52%81.89%101.30%96.67%+3,233 bps
Liquid Assets / Assets16.23%21.89%30.70%10.18%21.46%+523 bps