PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

St. Lawrence Parish

So. Wilmington, IL · Charter 81656

Q2 1998

$182KAssets
$39KLoans
$143KShares
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 1.30%, down 40 bps year over year.
  • Asset quality: problem loans at 8.43% of loans (-3,035 bps YoY).
  • Funding: loans stand at 27.41% of shares as of Q2 1998.

Financial Results

Return on Assets (YTD, annualized)

1.30%-40 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 Assets1.71%2.16%2.76%2.81%1.30%-40 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)4.90%-4.00%-3.86%-2.57%-9.60%-1,450 bps
Loan Growth (YoY)0.13%-13.21%-30.01%-28.91%-54.08%-5,421 bps
Share Growth (YoY)4.29%-6.31%-6.39%-3.96%-6.29%-1,058 bps
Asset Quality
Delinquent Loans / Loans38.79%23.63%32.58%31.20%8.43%-3,035 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.88%3.17%3.38%4.02%0.10%-277 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 / Shares55.94%51.72%49.47%40.59%27.41%-2,853 bps
Liquid Assets / Assets39.30%41.44%42.51%43.16%29.05%-1,025 bps