PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Verson

Chicago, IL · Charter 81413

Q2 2000

$2.8MAssets
$899KLoans
$2.2MShares
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 0.31%, down 433 bps year over year; NIM at 2.28%.
  • Asset quality: problem loans at 7.04% of loans (+438 bps YoY).
  • Funding: loans stand at 40.13% of shares as of Q2 2000.

Financial Results

Return on Assets (quarter, annualized)

0.31%-433 bps YoY

Net Interest Margin (quarter, annualized)

2.28%

Efficiency Ratio (quarter, annualized)

86.47%

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000YoY ΔTrend
Earnings
Return on Assets4.64%4.68%3.82%0.02%0.31%-433 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a1.95%2.28%n/a
Efficiency Ration/an/an/a99.01%86.47%n/a
Growth
Asset Growth (YoY)6.30%2.89%7.60%14.94%2.63%-367 bps
Loan Growth (YoY)-25.10%-12.61%-4.77%8.40%11.03%+3,613 bps
Share Growth (YoY)5.93%1.80%8.13%18.25%3.16%-277 bps
Asset Quality
Delinquent Loans / Loans2.67%3.54%3.05%4.20%7.04%+438 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.42%1.19%1.25%1.60%1.95%+52 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 / Shares37.29%38.99%38.15%39.06%40.13%+284 bps
Liquid Assets / Assets53.00%56.17%55.49%37.80%57.97%+497 bps