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Top Gas Credit Union

Topeka, KS · Charter 67819

Q4 1997

$1.1MAssets
$986KLoans
$936KShares
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 2.04%, down 353 bps year over year.
  • Asset quality: problem loans at 7.41% of loans (+321 bps YoY).
  • Funding: loans stand at 105.27% of shares as of Q4 1997.

Financial Results

Return on Assets (quarter, annualized)

2.04%-353 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1995Q2 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets5.57%5.20%5.50%-0.36%2.04%-353 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-3.13%-4.04%-11.78%-14.16%n/a
Loan Growth (YoY)n/a24.97%2.59%-14.59%-15.69%n/a
Share Growth (YoY)n/a-5.03%-9.41%-6.71%-9.54%n/a
Asset Quality
Delinquent Loans / Loans4.20%5.74%4.84%3.01%7.41%+321 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.58%1.62%0.87%1.35%1.47%-11 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 / Shares112.95%104.52%112.93%107.33%105.27%-767 bps
Liquid Assets / Assets0.63%3.01%0.23%2.58%4.30%+368 bps