PackageTrendsPeer
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Super Savings

Memphis, TN · Charter 68059

Q2 1999

$1.0MAssets
$768KLoans
$803KShares
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 2.83%, down 162 bps year over year.
  • Asset quality: problem loans at 5.23% of loans (+439 bps YoY).
  • Funding: loans stand at 95.63% of shares as of Q2 1999.

Financial Results

Return on Assets (YTD, annualized)

2.83%-162 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.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets4.44%4.80%1.36%2.47%2.83%-162 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)-6.15%-17.57%-15.21%-6.99%10.61%+1,676 bps
Loan Growth (YoY)-8.53%-20.00%-25.99%-14.87%4.09%+1,262 bps
Share Growth (YoY)-11.99%-25.17%-20.84%-9.90%12.84%+2,484 bps
Asset Quality
Delinquent Loans / Loans0.84%10.92%8.65%7.66%5.23%+439 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.42%1.77%2.25%2.76%2.69%+127 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 / Shares103.68%108.68%96.42%92.63%95.63%-804 bps
Liquid Assets / Assets11.84%13.54%0.90%0.10%23.19%+1,136 bps