PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Council Bluffs Postal

Council Bluffs, IA · Charter 64987

Q2 1997

$2.2MAssets
$1.1MLoans
$2.0MShares
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 1.08%, down 250 bps year over year.
  • Asset quality: problem loans at 2.38% of loans (-2,049 bps YoY).
  • Funding: loans stand at 55.42% of shares as of Q2 1997.

Financial Results

Return on Assets (YTD, annualized)

1.08%-250 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 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets3.58%0.98%3.59%-0.63%1.08%-250 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/a-7.24%-11.27%-11.21%n/a
Loan Growth (YoY)n/an/a-3.27%-40.76%-51.60%n/a
Share Growth (YoY)n/an/a-7.28%-6.19%0.74%n/a
Asset Quality
Delinquent Loans / Loans22.87%5.57%5.97%6.87%2.38%-2,049 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.20%2.39%2.45%1.88%2.04%+84 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 / Shares115.35%91.36%79.99%67.10%55.42%-5,993 bps
Liquid Assets / Assets4.44%16.77%24.70%29.63%3.27%-117 bps