PackageTrendsPeer
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N.S.I.A.L.

Carol Stream, IL · Charter 67018

Q4 1997

$359KAssets
$375KLoans
$319KShares
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 6.35%, up 364 bps year over year.
  • Asset quality: problem loans at 7.40% of loans (+146 bps YoY).
  • Funding: loans stand at 117.86% of shares as of Q4 1997.

Financial Results

Return on Assets (YTD, annualized)

6.35%+364 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 Assets2.71%3.59%1.23%3.17%6.35%+364 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/a40.77%73.66%81.92%76.52%n/a
Loan Growth (YoY)n/a38.57%70.46%84.53%108.38%n/a
Share Growth (YoY)n/a75.23%126.29%95.55%94.23%n/a
Asset Quality
Delinquent Loans / Loans5.94%4.16%2.48%4.51%7.40%+146 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.32%1.07%2.48%4.35%3.83%+150 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 / Shares109.86%109.63%109.75%122.58%117.86%+800 bps
Liquid Assets / Assets2.58%3.38%2.52%2.22%2.58%0 bps