PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Pyramid Employees

Chicago, IL · Charter 65730

Q4 1997

$480KAssets
$155KLoans
$348KShares
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 5.60%, down 104 bps year over year.
  • Asset quality: problem loans at 0.40% of loans (+25 bps YoY).
  • Funding: loans stand at 44.35% of shares as of Q4 1997.

Financial Results

Return on Assets (YTD, annualized)

5.60%-104 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ4 1995Q2 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets6.64%4.35%4.05%6.15%5.60%-104 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/a-18.47%-14.54%-23.43%-25.05%n/a
Loan Growth (YoY)n/a-27.54%-2.69%-18.59%1.20%n/a
Share Growth (YoY)n/a-25.60%-21.31%-31.83%-33.36%n/a
Asset Quality
Delinquent Loans / Loans0.14%3.49%2.30%3.04%0.40%+25 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.46%1.96%6.86%6.95%6.53%+507 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 / Shares29.20%23.28%30.67%39.60%44.35%+1,515 bps
Liquid Assets / Assets63.77%71.17%68.54%25.43%59.23%-453 bps