El Dorado, KS · Charter 67816
Q4 1997
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1997, the quarter ended December 31, 1997, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
El Dorado, KS · Charter 67816
Q4 1997
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.84% | 3.77% | 4.46% | 4.06% | 3.43% | +59 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | n/a | -18.53% | -25.24% | -22.61% | -24.10% | n/a | |
| Loan Growth (YoY) | n/a | -25.61% | -27.81% | -17.66% | -26.15% | n/a | |
| Share Growth (YoY) | n/a | -21.14% | -29.20% | -26.84% | -28.03% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.67% | 3.76% | 6.00% | 0.52% | 0.05% | -762 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.93% | 1.86% | 2.11% | 2.35% | 2.20% | +28 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 89.62% | 96.97% | 103.86% | 95.48% | 91.96% | +234 bps | |
| Liquid Assets / Assets | 9.29% | 4.70% | 0.33% | 11.92% | 10.67% | +139 bps | |