PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Morton International Employees

Chicago, IL · Charter 65957

Q2 1999

$2.5MAssets
$830KLoans
$2.1MShares
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 4.23%, down 9 bps year over year.
  • Asset quality: problem loans at 7.08% of loans (+629 bps YoY).
  • Funding: loans stand at 39.36% of shares as of Q2 1999.

Financial Results

Return on Assets (quarter, annualized)

4.23%-9 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 Assets4.32%4.68%4.31%4.37%4.23%-9 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)-1.50%-7.72%-6.38%-5.01%-5.98%-448 bps
Loan Growth (YoY)9.01%17.51%0.26%-8.16%-21.89%-3,090 bps
Share Growth (YoY)-3.81%-10.80%-9.28%-7.78%-12.54%-873 bps
Asset Quality
Delinquent Loans / Loans0.79%2.23%11.55%7.36%7.08%+629 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans4.32%4.91%4.37%4.24%4.52%+20 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 / Shares44.07%49.96%43.10%43.37%39.36%-471 bps
Liquid Assets / Assets19.57%24.40%31.78%25.29%33.74%+1,417 bps