PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Cds-Employees

Carol Stream, IL · Charter 81713

Q4 1997

$1.8MAssets
$574KLoans
$1.5MShares
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 4.28%, down 84 bps year over year.
  • Asset quality: problem loans at 3.87% of loans (+109 bps YoY).
  • Funding: loans stand at 38.13% of shares as of Q4 1997.

Financial Results

Return on Assets (YTD, annualized)

4.28%-84 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 1995Q2 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets5.12%4.65%4.81%4.02%4.28%-84 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)n/a-28.75%-32.49%-35.24%-28.71%n/a
Loan Growth (YoY)n/a6.70%-1.23%-11.83%-29.90%n/a
Share Growth (YoY)n/a-32.07%-36.25%-39.43%-32.21%n/a
Asset Quality
Delinquent Loans / Loans2.78%3.15%3.91%4.55%3.87%+109 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.56%1.63%1.79%2.45%1.74%+18 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 / Shares36.88%42.39%43.99%44.91%38.13%+125 bps
Liquid Assets / Assets33.35%28.61%36.16%45.67%54.96%+2,161 bps