Des Moines, IA · Charter 65592
Q4 1998
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.10% | -4.52% | -2.68% | 3.74% | 1.19% | +9 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -20.60% | -21.09% | -16.57% | -10.22% | -13.59% | +701 bps | |
| Loan Growth (YoY) | -24.58% | -26.58% | -15.82% | -15.79% | -15.51% | +907 bps | |
| Share Growth (YoY) | -22.66% | -20.76% | -14.73% | -6.47% | -10.51% | +1,215 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 9.66% | 2.07% | 1.66% | 12.64% | 18.33% | +866 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 7.00% | 0.59% | 0.72% | 1.03% | 1.35% | -565 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 96.07% | 84.99% | 93.73% | 90.63% | 90.70% | -537 bps | |
| Liquid Assets / Assets | 6.99% | 6.87% | 6.97% | 7.06% | 8.87% | +187 bps | |