PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

City Employees

Mason City, IA · Charter 65041

Q2 1998

$4.6MAssets
$3.8MLoans
$4.3MShares
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 4.57%, up 179 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (-154 bps YoY).
  • Funding: loans stand at 86.54% of shares as of Q2 1998.

Financial Results

Return on Assets (YTD, annualized)

4.57%+179 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 Assets2.78%2.90%2.14%3.34%4.57%+179 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)-0.47%-3.68%-13.13%-8.33%-17.14%-1,667 bps
Loan Growth (YoY)9.85%3.68%-5.61%-5.25%-2.13%-1,198 bps
Share Growth (YoY)3.27%13.23%0.71%-7.85%-17.93%-2,120 bps
Asset Quality
Delinquent Loans / Loans1.54%1.53%0.30%0.05%0.00%-154 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.95%1.66%1.68%1.74%1.51%+57 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 / Shares72.57%81.29%86.97%86.82%86.54%+1,397 bps
Liquid Assets / Assets14.74%9.80%12.68%7.13%5.96%-878 bps