PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Freeport Postal Employees

Freeport, IL · Charter 65697

Q2 2000

$298KAssets
$150KLoans
$246KShares
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 1.05%, down 259 bps year over year; NIM at 4.63%.
  • Asset quality: problem loans at 1.50% of loans (+150 bps YoY).
  • Funding: loans stand at 60.67% of shares as of Q2 2000.

Financial Results

Return on Assets (YTD, annualized)

1.05%-259 bps YoY

Net Interest Margin (YTD, annualized)

4.63%

Efficiency Ratio (YTD, annualized)

78.62%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000YoY ΔTrend
Earnings
Return on Assets3.64%1.97%4.01%1.53%1.05%-259 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a4.70%4.63%n/a
Efficiency Ration/an/an/a71.15%78.62%n/a
Growth
Asset Growth (YoY)8.99%13.57%27.94%29.99%33.04%+2,405 bps
Loan Growth (YoY)-0.16%-20.76%-22.43%-17.52%-11.81%-1,165 bps
Share Growth (YoY)5.21%10.67%27.39%31.64%35.61%+3,040 bps
Asset Quality
Delinquent Loans / Loans0.00%4.51%0.90%0.00%1.50%+150 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.20%0.24%0.25%0.23%0.23%+3 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 / Shares93.29%71.92%63.15%64.13%60.67%-3,262 bps
Liquid Assets / Assets21.64%40.25%43.69%0.00%38.78%+1,714 bps