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East Chicago Teachers

East Chicago, IN · Charter 65511

Q2 1997

$9.1MAssets
$5.3MLoans
$8.5MShares
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 3.04%, up 8 bps year over year.
  • Asset quality: problem loans at 5.01% of loans (+112 bps YoY).
  • Funding: loans stand at 62.62% of shares as of Q2 1997.

Financial Results

Return on Assets (quarter, annualized)

3.04%+8 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets2.96%2.17%2.71%3.28%3.04%+8 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-7.84%-8.03%-11.65%n/a
Loan Growth (YoY)n/an/a9.67%-1.38%-15.49%n/a
Share Growth (YoY)n/an/a-8.26%-8.75%-12.08%n/a
Asset Quality
Delinquent Loans / Loans3.89%4.53%3.30%4.44%5.01%+112 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.88%2.57%2.58%2.64%2.71%+83 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 / Shares65.15%70.60%63.14%65.58%62.62%-253 bps
Liquid Assets / Assets19.56%21.35%33.55%30.96%35.65%+1,609 bps