PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

J&O Employees

Chicago, IL · Charter 65901

Q4 1998

$195KAssets
$118KLoans
$160KShares
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 1.54%, down 78 bps year over year.
  • Asset quality: problem loans at 13.16% of loans (+837 bps YoY).
  • Funding: loans stand at 74.09% of shares as of Q4 1998.

Financial Results

Return on Assets (YTD, annualized)

1.54%-78 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 1996Q2 1997Q4 1997Q2 1998Q4 1998YoY ΔTrend
Earnings
Return on Assets2.32%1.49%-1.90%1.60%1.54%-78 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)-6.24%-18.03%-21.46%-25.70%-29.29%-2,305 bps
Loan Growth (YoY)-3.62%0.49%2.80%-16.45%-27.17%-2,355 bps
Share Growth (YoY)-9.05%-21.85%-22.35%-28.77%-31.85%-2,280 bps
Asset Quality
Delinquent Loans / Loans4.79%10.05%4.15%0.40%13.16%+837 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.65%2.69%0.86%1.39%3.93%+128 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 / Shares69.33%78.26%87.88%78.27%74.09%+476 bps
Liquid Assets / Assets30.99%26.72%16.11%13.80%15.86%-1,512 bps