PackageTrendsPeer
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Rayovac

Madison, WI · Charter 66664

Q2 1999

$1.8MAssets
$948KLoans
$1.7MShares
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 0.74%, down 373 bps year over year.
  • Asset quality: problem loans at 1.85% of loans (-17 bps YoY).
  • Funding: loans stand at 57.09% of shares as of Q2 1999.

Financial Results

Return on Assets (YTD, annualized)

0.74%-373 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 Assets4.48%4.53%4.06%3.49%0.74%-373 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)25.20%20.26%12.74%48.80%57.31%+3,211 bps
Loan Growth (YoY)52.22%34.69%41.27%-17.48%-10.90%-6,311 bps
Share Growth (YoY)25.95%11.17%13.05%83.33%67.16%+4,121 bps
Asset Quality
Delinquent Loans / Loans2.02%1.27%1.33%2.03%1.85%-17 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.94%0.92%0.89%0.80%3.30%+236 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 / Shares107.11%120.47%99.84%58.61%57.09%-5,001 bps
Liquid Assets / Assets0.07%0.01%0.47%0.00%46.68%+4,662 bps