PackageTrendsPeer
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Paysaver

Lombard, IL · Charter 81707

Q2 1999

$87.5MAssets
$61.6MLoans
$81.8MShares
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 3.19%, down 58 bps year over year.
  • Asset quality: problem loans at 1.00% of loans (+20 bps YoY).
  • Funding: loans stand at 75.28% of shares as of Q2 1999.

Financial Results

Return on Assets (quarter, annualized)

3.19%-58 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1998Q3 1998Q4 1998Q1 1999Q2 1999YoY ΔTrend
Earnings
Return on Assets3.76%3.81%3.71%3.76%3.19%-58 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)6.53%10.12%14.08%12.26%17.49%+1,096 bps
Loan Growth (YoY)12.33%8.03%4.73%5.43%9.11%-322 bps
Share Growth (YoY)5.22%10.73%13.16%11.04%16.10%+1,088 bps
Asset Quality
Delinquent Loans / Loans0.80%0.79%0.65%0.64%1.00%+20 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.54%0.51%0.30%0.29%0.41%-13 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 / Shares80.10%80.34%79.47%75.73%75.28%-482 bps
Liquid Assets / Assets15.01%14.93%16.07%20.37%19.86%+485 bps