PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

QP&S Clinic Employees

Quincy, IL · Charter 65833

Q2 2000

$574KAssets
$274KLoans
$452KShares
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 1.24%, down 280 bps year over year; NIM at 5.16%.
  • Asset quality: problem loans at 0.52% of loans (+34 bps YoY).
  • Funding: loans stand at 60.64% of shares as of Q2 2000.

Financial Results

Return on Assets (quarter, annualized)

1.24%-280 bps YoY

Net Interest Margin (quarter, annualized)

5.16%

Efficiency Ratio (quarter, annualized)

76.26%

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000YoY ΔTrend
Earnings
Return on Assets4.04%3.88%2.88%0.86%1.24%-280 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a5.70%5.16%n/a
Efficiency Ration/an/an/a82.35%76.26%n/a
Growth
Asset Growth (YoY)1.88%-1.97%8.11%6.13%5.68%+379 bps
Loan Growth (YoY)12.37%0.09%-17.32%-15.73%-19.44%-3,180 bps
Share Growth (YoY)-0.59%-5.27%7.30%4.99%4.87%+545 bps
Asset Quality
Delinquent Loans / Loans0.19%1.39%0.81%0.00%0.52%+34 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.67%0.72%0.97%0.68%0.34%-33 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 / Shares78.94%80.70%61.71%67.21%60.64%-1,830 bps
Liquid Assets / Assets28.56%35.17%46.02%40.20%0.20%-2,836 bps