PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

General

Fort Wayne, IN · Charter 13719

Q4 1997

$31.2MAssets
$25.5MLoans
$28.7MShares
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 4.08%, up 32 bps year over year.
  • Asset quality: problem loans at 1.39% of loans (+12 bps YoY).
  • Funding: loans stand at 88.71% of shares as of Q4 1997.

Financial Results

Return on Assets (YTD, annualized)

4.08%+32 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 Assets3.76%3.93%4.15%3.86%4.08%+32 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/a2.93%-0.13%3.07%-0.41%n/a
Loan Growth (YoY)n/a2.70%-4.58%-1.95%0.77%n/a
Share Growth (YoY)n/a2.47%-0.38%1.48%-0.80%n/a
Asset Quality
Delinquent Loans / Loans1.27%1.33%1.28%1.56%1.39%+12 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.65%0.78%0.82%0.76%0.67%+2 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 / Shares87.32%81.21%87.35%84.24%88.71%+139 bps
Liquid Assets / Assets12.52%16.56%11.63%15.07%9.39%-314 bps