PackageTrendsPeer
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Peru Municipal

Peru, IL · Charter 65452

NCUA · 1 branch

Q2 2017

$467KAssets
$377KLoans
$401KShares
$66KNet 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 0.56%, up 10 bps year over year; NIM at 3.57%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 14.07%, up 198 bps from a year ago.
  • Funding: loans stand at 94.05% of shares as of Q2 2017.

Financial Results

Return on Assets (YTD, annualized)

0.56%+10 bps YoY

Net Interest Margin (YTD, annualized)

3.57%+20 bps YoY

Efficiency Ratio (YTD, annualized)

84.79%-228 bps YoY

Net Worth / Assets

14.07%+198 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2016Q3 2016Q4 2016Q1 2017Q2 2017YoY ΔTrend
Earnings
Return on Assets0.46%0.55%0.35%0.68%0.56%+10 bps
Return on Equity3.80%4.37%2.78%5.14%3.96%+16 bps
Net Interest Margin3.37%3.51%3.50%3.38%3.57%+20 bps
Efficiency Ratio87.06%85.03%90.48%80.72%84.79%-228 bps
Growth
Asset Growth (YoY)11.51%5.41%7.40%-3.03%-11.56%-2,308 bps
Loan Growth (YoY)9.67%7.62%2.83%-5.33%-13.55%-2,322 bps
Share Growth (YoY)12.88%5.82%8.11%-4.01%-13.55%-2,643 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.02%2.05%2.16%2.02%2.33%+32 bps
Capital
Risk-Based Capital12.08%12.58%12.54%13.15%14.07%+198 bps
Net Worth / Assets12.08%12.58%12.54%13.15%14.07%+198 bps
Liquidity & Funding
Loans / Shares94.04%95.64%90.61%101.02%94.05%0 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps