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Superior Coffee

Bensenville, IL · Charter 81258

Q2 2000

$1.5MAssets
$991KLoans
$1.3MShares
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 0.69%, down 436 bps year over year; NIM at 3.43%.
  • Asset quality: problem loans at 3.34% of loans (+204 bps YoY).
  • Funding: loans stand at 75.37% of shares as of Q2 2000.

Financial Results

Return on Assets (quarter, annualized)

0.69%-436 bps YoY

Net Interest Margin (quarter, annualized)

3.43%

Efficiency Ratio (quarter, annualized)

67.56%

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000YoY ΔTrend
Earnings
Return on Assets5.05%5.28%5.24%0.83%0.69%-436 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a3.08%3.43%n/a
Efficiency Ration/an/an/a60.47%67.56%n/a
Growth
Asset Growth (YoY)20.49%21.56%11.25%4.52%-2.53%-2,302 bps
Loan Growth (YoY)14.08%25.36%-0.15%-5.48%-2.74%-1,682 bps
Share Growth (YoY)20.81%22.33%10.71%3.43%-4.63%-2,544 bps
Asset Quality
Delinquent Loans / Loans1.30%2.80%4.73%4.19%3.34%+204 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.43%2.87%3.26%2.73%2.88%+45 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 / Shares73.90%69.40%69.69%74.83%75.37%+147 bps
Liquid Assets / Assets33.89%38.12%37.57%3.49%0.00%-3,389 bps