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Precision Scientific

Chicago, IL · Charter 65556

Q2 1997

$51KAssets
$44KLoans
$14KShares
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 5.41%, up 260 bps year over year.
  • Asset quality: problem loans at 9.23% of loans (+824 bps YoY).
  • Funding: loans stand at 314.80% of shares as of Q2 1997.

Financial Results

Return on Assets (quarter, annualized)

5.41%+260 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 Assets2.82%5.27%5.20%3.70%5.41%+260 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-12.32%-27.38%-68.17%n/a
Loan Growth (YoY)n/an/a1.31%-12.31%-54.77%n/a
Share Growth (YoY)n/an/a-18.29%-37.82%-88.98%n/a
Asset Quality
Delinquent Loans / Loans0.98%0.18%0.91%3.89%9.23%+824 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.67%2.29%3.42%5.68%11.30%+863 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 / Shares76.73%116.82%96.61%114.67%315%+23,807 bps
Liquid Assets / Assets15.52%10.84%19.24%12.50%8.22%-730 bps