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Nine West Madison Employees

Madison, IN · Charter 15765

Q2 1996

$198KAssets
$47KLoans
$154KShares
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 2.75%, down 145 bps year over year.
  • Asset quality: problem loans at 0.59% of loans (+1 bps YoY).
  • Funding: loans stand at 30.32% of shares as of Q2 1996.

Financial Results

Return on Assets (quarter, annualized)

2.75%-145 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets4.20%4.07%2.75%3.09%2.75%-145 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/an/an/a7.99%n/an/a
Loan Growth (YoY)n/an/an/an/a-7.58%n/an/a
Share Growth (YoY)n/an/an/an/a10.64%n/an/a
Asset Quality
Delinquent Loans / Loans0.58%0.84%0.59%1.14%0.59%+1 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.41%2.27%2.35%1.90%2.35%-6 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 / Shares36.29%40.74%30.32%47.14%30.32%-598 bps
Liquid Assets / Assets70.24%25.68%33.69%19.74%33.69%-3,655 bps