PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Culligan USA Employees

Northbrook, IL · Charter 65620

Q2 1998

$2.2MAssets
$869KLoans
$2.0MShares
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 4.34%, up 25 bps year over year.
  • Asset quality: problem loans at 0.60% of loans (-183 bps YoY).
  • Funding: loans stand at 44.30% of shares as of Q2 1998.

Financial Results

Return on Assets (quarter, annualized)

4.34%+25 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1996Q4 1996Q2 1997Q4 1997Q2 1998YoY ΔTrend
Earnings
Return on Assets4.09%4.38%4.52%4.70%4.34%+25 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)-6.83%-2.62%1.51%2.59%-4.33%+250 bps
Loan Growth (YoY)31.24%18.86%-5.19%-16.50%-12.48%-4,371 bps
Share Growth (YoY)-7.54%-3.43%0.82%2.64%-4.95%+260 bps
Asset Quality
Delinquent Loans / Loans2.43%1.35%1.74%1.63%0.60%-183 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.25%2.59%2.57%2.83%2.97%+73 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 / Shares48.11%44.03%46.83%43.40%44.30%-381 bps
Liquid Assets / Assets27.13%25.96%21.81%24.83%57.82%+3,070 bps