PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Entenmann's Employees

Northlake, IL · Charter 66017

Q2 1997

$1.1MAssets
$322KLoans
$835KShares
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 3.47%, down 46 bps year over year.
  • Asset quality: problem loans at 4.10% of loans (-751 bps YoY).
  • Funding: loans stand at 38.54% of shares as of Q2 1997.

Financial Results

Return on Assets (YTD, annualized)

3.47%-46 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.

MetricQ2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets3.93%4.65%3.90%4.11%3.47%-46 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/an/a-13.55%-20.01%-14.98%n/a
Loan Growth (YoY)n/an/a-12.46%-7.76%-18.48%n/a
Share Growth (YoY)n/an/a-18.76%-26.94%-21.00%n/a
Asset Quality
Delinquent Loans / Loans11.62%9.56%11.11%9.06%4.10%-751 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans18.86%12.40%13.72%12.40%10.88%-797 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 / Shares37.35%45.84%45.30%44.49%38.54%+119 bps
Liquid Assets / Assets67.11%61.25%66.88%70.86%63.45%-367 bps