PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Silver State Schools

Las Vegas, NV · Charter 7055

Q3 1999

$326.3MAssets
$170.2MLoans
$294.8MShares
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 0.91%, down 301 bps year over year; NIM at 4.02%.
  • Asset quality: problem loans at 0.60% of loans (-64 bps YoY).
  • Funding: loans stand at 57.72% of shares as of Q3 1999.

Financial Results

Return on Assets (quarter, annualized)

0.91%-301 bps YoY

Net Interest Margin (quarter, annualized)

4.02%

Efficiency Ratio (quarter, annualized)

70.92%

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ3 1998Q4 1998Q1 1999Q2 1999Q3 1999YoY ΔTrend
Earnings
Return on Assets3.92%3.74%3.81%3.85%0.91%-301 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a4.02%n/an/a
Efficiency Ration/an/an/an/a70.92%n/an/a
Growth
Asset Growth (YoY)12.82%16.38%11.52%12.69%11.10%-171 bps
Loan Growth (YoY)3.92%3.41%3.56%5.95%12.43%+851 bps
Share Growth (YoY)13.06%17.42%11.53%13.15%11.18%-188 bps
Asset Quality
Delinquent Loans / Loans1.24%0.86%0.73%0.69%0.60%-64 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.48%1.19%1.28%1.32%1.27%-21 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 / Shares57.07%55.46%53.76%53.72%57.72%+64 bps
Liquid Assets / Assets12.82%15.60%18.06%16.13%13.82%+100 bps