PackageTrendsPeer
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Cityfirst

Butler, WI · Charter 66843

Q2 1998

$28.9MAssets
$19.5MLoans
$22.9MShares
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 2.61%, down 49 bps year over year.
  • Asset quality: problem loans at 0.71% of loans (+20 bps YoY).
  • Funding: loans stand at 85.18% of shares as of Q2 1998.

Financial Results

Return on Assets (YTD, annualized)

2.61%-49 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 Assets3.10%3.28%2.90%3.03%2.61%-49 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)-5.68%-10.71%-9.79%-9.68%-11.36%-568 bps
Loan Growth (YoY)13.14%-0.53%-1.43%-4.17%-10.22%-2,336 bps
Share Growth (YoY)-9.23%-15.00%-13.68%-13.66%-15.06%-582 bps
Asset Quality
Delinquent Loans / Loans0.51%0.91%0.71%0.66%0.71%+20 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.49%0.51%0.47%0.51%0.48%-1 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 / Shares80.59%98.20%88.79%95.48%85.18%+459 bps
Liquid Assets / Assets25.92%13.02%21.96%15.93%26.05%+13 bps