PackageTrendsPeer
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Flinthills Education

El Dorado, KS · Charter 67816

Q4 1997

$247KAssets
$192KLoans
$208KShares
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 3.43%, up 59 bps year over year.
  • Asset quality: problem loans at 0.05% of loans (-762 bps YoY).
  • Funding: loans stand at 91.96% of shares as of Q4 1997.

Financial Results

Return on Assets (YTD, annualized)

3.43%+59 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 Assets2.84%3.77%4.46%4.06%3.43%+59 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/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 / Loans7.67%3.76%6.00%0.52%0.05%-762 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.93%1.86%2.11%2.35%2.20%+28 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 / Shares89.62%96.97%103.86%95.48%91.96%+234 bps
Liquid Assets / Assets9.29%4.70%0.33%11.92%10.67%+139 bps