PackageTrendsPeer
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Morrison General Electric Emp

Morrison, IL · Charter 13793

Q4 1997

$12.7MAssets
$9.0MLoans
$11.0MShares
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 4.32%, up 34 bps year over year.
  • Asset quality: problem loans at 0.32% of loans (-16 bps YoY).
  • Funding: loans stand at 81.83% of shares as of Q4 1997.

Financial Results

Return on Assets (YTD, annualized)

4.32%+34 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 Assets3.98%3.60%3.91%3.91%4.32%+34 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-8.77%-6.29%0.57%2.02%n/a
Loan Growth (YoY)n/a18.78%12.96%20.33%30.17%n/a
Share Growth (YoY)n/a-10.59%-8.53%0.71%0.30%n/a
Asset Quality
Delinquent Loans / Loans0.47%0.52%0.32%0.37%0.32%-16 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.49%0.44%0.48%0.46%0.46%-3 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 / Shares63.05%63.34%70.75%73.91%81.83%+1,878 bps
Liquid Assets / Assets29.28%39.74%28.20%31.49%25.93%-335 bps