PackageTrendsPeer
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Champaign Bell

Champaign, IL · Charter 65345

Q4 1998

$3.0MAssets
$1.2MLoans
$2.4MShares
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 3.29%, up 38 bps year over year.
  • Asset quality: problem loans at 2.44% of loans (-51 bps YoY).
  • Funding: loans stand at 49.27% of shares as of Q4 1998.

Financial Results

Return on Assets (quarter, annualized)

3.29%+38 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 Assets2.92%2.73%3.10%3.04%3.29%+38 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)-19.87%-3.00%-7.22%-6.39%-5.22%+1,465 bps
Loan Growth (YoY)-10.88%-20.45%-29.94%-36.30%-31.68%-2,080 bps
Share Growth (YoY)-23.13%-4.74%-9.81%-8.22%-9.60%+1,353 bps
Asset Quality
Delinquent Loans / Loans2.95%9.22%5.37%2.70%2.44%-51 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.31%2.34%2.68%2.12%1.82%-49 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 / Shares65.20%57.99%59.18%48.27%49.27%-1,593 bps
Liquid Assets / Assets23.55%33.24%52.21%32.32%59.42%+3,587 bps