PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bent County School Employees

Las Animas, CO · Charter 65850

Q2 1999

$366KAssets
$232KLoans
$316KShares
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 6.04%, up 13 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (-40 bps YoY).
  • Funding: loans stand at 73.41% of shares as of Q2 1999.

Financial Results

Return on Assets (quarter, annualized)

6.04%+13 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets5.91%5.66%6.02%5.48%6.04%+13 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)37.83%32.00%43.11%34.86%22.78%-1,504 bps
Loan Growth (YoY)44.81%11.56%20.30%18.23%-6.17%-5,099 bps
Share Growth (YoY)41.35%34.80%48.68%38.75%28.36%-1,299 bps
Asset Quality
Delinquent Loans / Loans0.40%0.28%0.00%0.00%0.00%-40 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.63%0.68%0.57%0.59%0.66%+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 / Shares100.42%88.32%88.95%84.88%73.41%-2,701 bps
Liquid Assets / Assets14.54%25.05%22.08%25.21%33.70%+1,916 bps