PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Moline Postal Employees

Moline, IL · Charter 81608

Q4 1998

$454KAssets
$317KLoans
$347KShares
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 1.82%, down 164 bps year over year.
  • Asset quality: problem loans at 0.32% of loans (-37 bps YoY).
  • Funding: loans stand at 91.44% of shares as of Q4 1998.

Financial Results

Return on Assets (YTD, annualized)

1.82%-164 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.

MetricQ4 1996Q2 1997Q4 1997Q2 1998Q4 1998YoY ΔTrend
Earnings
Return on Assets3.46%2.81%3.11%1.86%1.82%-164 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)-15.16%-4.42%-10.64%-13.89%-15.40%-23 bps
Loan Growth (YoY)-3.87%3.12%-0.02%-3.53%9.93%+1,380 bps
Share Growth (YoY)-18.65%-3.90%-13.37%-16.76%-18.78%-13 bps
Asset Quality
Delinquent Loans / Loans0.69%0.59%7.45%6.94%0.32%-37 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.39%3.25%3.50%3.16%1.08%-231 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 / Shares67.56%69.37%73.59%78.35%91.44%+2,388 bps
Liquid Assets / Assets46.17%44.57%36.32%37.57%27.70%-1,847 bps