PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Schuller Employees

Waukegan, IL · Charter 95820

Q2 1997

$4.3MAssets
$1.2MLoans
$3.3MShares
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 0.83%, down 245 bps year over year.
  • Asset quality: problem loans at 3.04% of loans (+35 bps YoY).
  • Funding: loans stand at 37.19% of shares as of Q2 1997.

Financial Results

Return on Assets (quarter, annualized)

0.83%-245 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets3.28%4.17%3.07%3.39%0.83%-245 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/an/a-20.57%-18.62%-17.36%n/a
Loan Growth (YoY)n/an/a21.45%20.74%-1.87%n/a
Share Growth (YoY)n/an/a-25.99%-23.43%-20.69%n/a
Asset Quality
Delinquent Loans / Loans2.69%3.91%2.47%1.86%3.04%+35 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.57%0.52%0.46%0.20%0.13%-44 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 / Shares30.05%36.22%38.84%42.91%37.19%+713 bps
Liquid Assets / Assets7.74%16.21%39.97%49.54%53.59%+4,585 bps