PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Florida I.B.E.W.

Jacksonville, FL · Charter 7571

Q2 1998

$2.1MAssets
$1.3MLoans
$2.0MShares
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 1.45%, up 24 bps year over year.
  • Asset quality: problem loans at 0.20% of loans (-122 bps YoY).
  • Funding: loans stand at 64.80% of shares as of Q2 1998.

Financial Results

Return on Assets (quarter, annualized)

1.45%+24 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1996Q4 1996Q2 1997Q4 1997Q2 1998YoY ΔTrend
Earnings
Return on Assets1.21%3.14%3.09%3.34%1.45%+24 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)69.17%72.33%69.00%41.78%13.09%-5,609 bps
Loan Growth (YoY)105.13%101.37%61.08%34.46%4.56%-10,058 bps
Share Growth (YoY)80.54%77.78%72.13%49.56%13.21%-6,734 bps
Asset Quality
Delinquent Loans / Loans1.41%3.60%1.60%0.81%0.20%-122 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.61%0.56%0.39%0.38%0.27%-34 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 / Shares70.16%72.34%63.37%63.65%64.80%-536 bps
Liquid Assets / Assets32.26%29.91%38.42%35.78%36.92%+466 bps