PackageTrendsPeer
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N.H.C.

Norfolk, NE · Charter 11115

Q2 1997

$823KAssets
$599KLoans
$736KShares
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 3.18%, up 11 bps year over year.
  • Asset quality: problem loans at 1.41% of loans (-21 bps YoY).
  • Funding: loans stand at 81.40% of shares as of Q2 1997.

Financial Results

Return on Assets (quarter, annualized)

3.18%+11 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 Assets3.07%3.19%3.32%1.55%3.18%+11 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-11.92%-16.73%-6.99%n/a
Loan Growth (YoY)n/an/a-11.29%-30.74%-14.55%n/a
Share Growth (YoY)n/an/a-14.56%-19.10%-9.34%n/a
Asset Quality
Delinquent Loans / Loans1.63%2.34%1.41%4.94%1.41%-21 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.06%1.37%1.42%1.09%1.42%+37 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 / Shares86.36%81.28%81.40%82.28%81.40%-496 bps
Liquid Assets / Assets17.92%15.62%19.50%19.15%22.09%+417 bps