PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

C.D.&D.

Champaign, IL · Charter 66023

Q2 1999

$73KAssets
$2KLoans
$70KShares
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 4.04%, up 106 bps year over year.
  • Asset quality: problem loans at 100.00% of loans (+7,439 bps YoY).
  • Funding: loans stand at 2.86% of shares as of Q2 1999.

Financial Results

Return on Assets (YTD, annualized)

4.04%+106 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 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets2.98%4.65%3.05%2.71%4.04%+106 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)20.55%-1.60%-8.18%-9.23%-2.39%-2,294 bps
Loan Growth (YoY)-2.75%-10.88%-6.39%-69.81%-89.85%-8,711 bps
Share Growth (YoY)28.52%-4.74%-13.51%-7.16%23.89%-463 bps
Asset Quality
Delinquent Loans / Loans25.61%5.68%33.41%57.01%100.00%+7,439 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans6.51%7.07%1.91%3.88%13.87%+736 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 / Shares34.91%31.84%22.17%9.03%2.86%-3,205 bps
Liquid Assets / Assets60.38%54.97%36.25%33.33%46.46%-1,392 bps