PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Coeur D'Alene Teachers'

Coeur D'Alene, ID · Charter 66204

Q4 1997

$7.8MAssets
$6.0MLoans
$7.1MShares
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 3.65%, up 71 bps year over year.
  • Asset quality: problem loans at 2.95% of loans (+276 bps YoY).
  • Funding: loans stand at 84.72% of shares as of Q4 1997.

Financial Results

Return on Assets (quarter, annualized)

3.65%+71 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1995Q2 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets2.95%3.33%3.22%3.39%3.65%+71 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/a17.55%19.59%22.79%13.75%n/a
Loan Growth (YoY)n/a49.74%28.77%12.45%16.74%n/a
Share Growth (YoY)n/a18.47%21.42%39.21%14.14%n/a
Asset Quality
Delinquent Loans / Loans0.19%1.06%1.38%1.85%2.95%+276 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.61%0.66%0.61%0.73%0.58%-3 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 / Shares82.83%79.32%80.87%77.98%84.72%+189 bps
Liquid Assets / Assets15.39%18.76%17.32%20.12%14.32%-107 bps