PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Stone 360 Employees

Chicago, IL · Charter 66090

Q2 1998

$556KAssets
$212KLoans
$518KShares
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 4.41%, up 38 bps year over year.
  • Asset quality: problem loans at 4.70% of loans (+413 bps YoY).
  • Funding: loans stand at 40.90% of shares as of Q2 1998.

Financial Results

Return on Assets (YTD, annualized)

4.41%+38 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 1996Q4 1996Q2 1997Q4 1997Q2 1998YoY ΔTrend
Earnings
Return on Assets4.04%4.60%5.17%5.21%4.41%+38 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)14.26%15.36%19.28%21.88%2.42%-1,184 bps
Loan Growth (YoY)25.09%12.07%9.68%8.90%21.77%-332 bps
Share Growth (YoY)13.50%14.52%17.84%20.58%0.51%-1,300 bps
Asset Quality
Delinquent Loans / Loans0.57%0.50%0.31%1.44%4.70%+413 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.40%2.26%1.90%1.89%2.05%-35 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 / Shares33.76%45.11%44.56%45.11%40.90%+714 bps
Liquid Assets / Assets58.12%47.04%42.92%35.87%31.60%-2,652 bps