PackageTrendsPeer
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Luke

Phoenix, AZ · Charter 7530

Q3 1999

$188.7MAssets
$132.8MLoans
$164.5MShares
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 1.32%, down 338 bps year over year; NIM at 3.89%.
  • Asset quality: problem loans at 0.04% of loans (-2 bps YoY).
  • Funding: loans stand at 80.75% of shares as of Q3 1999.

Financial Results

Return on Assets (YTD, annualized)

1.32%-338 bps YoY

Net Interest Margin (YTD, annualized)

3.89%

Efficiency Ratio (YTD, annualized)

72.50%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ3 1998Q4 1998Q1 1999Q2 1999Q3 1999YoY ΔTrend
Earnings
Return on Assets4.70%4.53%4.41%4.44%1.32%-338 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a3.89%n/an/a
Efficiency Ration/an/an/an/a72.50%n/an/a
Growth
Asset Growth (YoY)9.89%11.68%10.52%10.76%8.70%-119 bps
Loan Growth (YoY)9.45%10.00%8.41%9.24%8.29%-116 bps
Share Growth (YoY)8.96%11.47%10.18%10.49%8.92%-3 bps
Asset Quality
Delinquent Loans / Loans0.06%0.07%0.07%0.06%0.04%-2 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.47%0.43%0.41%0.39%0.38%-9 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 / Shares81.22%78.87%79.05%79.07%80.75%-47 bps
Liquid Assets / Assets12.91%18.07%16.92%14.59%15.41%+250 bps