PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

American Coil Spring Employee

Muskegon, MI · Charter 8109

Q2 1998

$2.2MAssets
$1.1MLoans
$1.9MShares
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 3.91%, up 65 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (-260 bps YoY).
  • Funding: loans stand at 61.61% of shares as of Q2 1998.

Financial Results

Return on Assets (YTD, annualized)

3.91%+65 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 1996Q4 1996Q2 1997Q4 1997Q2 1998YoY ΔTrend
Earnings
Return on Assets3.25%3.00%3.83%4.05%3.91%+65 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)-14.90%-9.03%-9.69%0.39%17.79%+3,269 bps
Loan Growth (YoY)58.69%41.26%10.05%-5.76%-3.06%-6,175 bps
Share Growth (YoY)-19.63%-12.70%-7.80%0.00%27.04%+4,667 bps
Asset Quality
Delinquent Loans / Loans2.60%1.64%0.82%0.85%0.00%-260 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.30%1.20%0.58%0.67%0.27%-103 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 / Shares80.73%80.90%80.20%77.58%61.61%-1,912 bps
Liquid Assets / Assets20.89%31.64%18.33%16.61%35.28%+1,439 bps