PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Danly Employees

Cicero, IL · Charter 65456

Q2 1998

$1.3MAssets
$733KLoans
$1.1MShares
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 4.94%, up 97 bps year over year.
  • Asset quality: problem loans at 0.35% of loans (-500 bps YoY).
  • Funding: loans stand at 69.09% of shares as of Q2 1998.

Financial Results

Return on Assets (YTD, annualized)

4.94%+97 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 Assets3.97%3.98%3.77%4.43%4.94%+97 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)-20.49%-13.64%-2.42%-4.69%-24.84%-436 bps
Loan Growth (YoY)-0.99%-3.65%1.18%-5.47%4.53%+553 bps
Share Growth (YoY)-23.34%-16.41%-3.59%-6.73%-30.06%-672 bps
Asset Quality
Delinquent Loans / Loans5.35%2.91%2.19%0.00%0.35%-500 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.36%0.38%0.27%0.00%0.59%+22 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 / Shares46.23%44.61%46.62%48.64%69.09%+2,287 bps
Liquid Assets / Assets56.05%56.02%56.25%55.67%31.77%-2,428 bps