PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Associated Truck Employees

Chicago, IL · Charter 66065

Q4 1998

$360KAssets
$251KLoans
$287KShares
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 0.72%, down 83 bps year over year.
  • Asset quality: problem loans at 12.13% of loans (+218 bps YoY).
  • Funding: loans stand at 87.68% of shares as of Q4 1998.

Financial Results

Return on Assets (quarter, annualized)

0.72%-83 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1996Q2 1997Q4 1997Q2 1998Q4 1998YoY ΔTrend
Earnings
Return on Assets1.55%2.86%1.81%1.73%0.72%-83 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)-22.59%-15.13%-5.06%-1.38%-14.55%+805 bps
Loan Growth (YoY)-21.00%8.85%4.67%-6.61%-9.36%+1,164 bps
Share Growth (YoY)-27.13%-18.76%-6.62%-2.03%-15.78%+1,135 bps
Asset Quality
Delinquent Loans / Loans9.95%6.37%7.69%8.97%12.13%+218 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.03%0.87%0.99%1.11%2.94%+191 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 / Shares81.47%96.66%91.40%83.86%87.68%+621 bps
Liquid Assets / Assets19.05%15.84%16.34%28.29%25.07%+602 bps