PackageTrendsPeer
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Cornerstone

West Allis, WI · Charter 67004

Q4 1997

$26.3MAssets
$24.4MLoans
$22.4MShares
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%, down 57 bps year over year.
  • Asset quality: problem loans at 3.47% of loans (+171 bps YoY).
  • Funding: loans stand at 109.11% of shares as of Q4 1997.

Financial Results

Return on Assets (YTD, annualized)

3.65%-57 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.

MetricQ4 1995Q2 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets4.23%4.50%4.61%2.34%3.65%-57 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/a58.63%73.88%18.69%-9.63%n/a
Loan Growth (YoY)n/a119.59%86.23%24.44%-7.64%n/a
Share Growth (YoY)n/a52.21%70.43%30.15%-16.70%n/a
Asset Quality
Delinquent Loans / Loans1.75%2.69%2.76%4.39%3.47%+171 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.25%1.01%0.70%2.41%2.44%+120 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 / Shares98.41%102.99%109.24%98.06%109.11%+1,070 bps
Liquid Assets / Assets2.14%1.09%0.17%1.15%0.60%-153 bps