PackageTrendsPeer
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Rocky Ford

Rocky Ford, CO · Charter 6875

Q2 1999

$1.8MAssets
$1.0MLoans
$1.8MShares
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 0.35%, up 109 bps year over year.
  • Asset quality: problem loans at 2.93% of loans (-962 bps YoY).
  • Funding: loans stand at 57.58% of shares as of Q2 1999.

Financial Results

Return on Assets (YTD, annualized)

0.35%+109 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 Assets-0.74%-0.99%-1.73%0.18%0.35%+109 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)-5.05%-0.02%-0.50%1.27%28.85%+3,389 bps
Loan Growth (YoY)3.32%-12.91%-17.04%-19.28%-10.48%-1,380 bps
Share Growth (YoY)-3.47%1.62%8.49%12.52%40.66%+4,412 bps
Asset Quality
Delinquent Loans / Loans12.55%7.47%2.45%1.20%2.93%-962 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans6.01%2.08%2.49%3.79%5.55%-46 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 / Shares90.48%84.44%72.15%66.43%57.58%-3,289 bps
Liquid Assets / Assets19.54%25.73%25.08%34.19%35.66%+1,611 bps