PackageTrendsPeer
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Savers

Sanford, ME · Charter 16775

Q2 1997

$12.6MAssets
$9.6MLoans
$12.3MShares
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 -3.91%, down 865 bps year over year.
  • Asset quality: problem loans at 1.54% of loans (+36 bps YoY).
  • Funding: loans stand at 78.30% of shares as of Q2 1997.

Financial Results

Return on Assets (quarter, annualized)

-3.91%-865 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 Assets4.74%4.47%4.75%3.57%-3.91%-865 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/a40.80%28.02%16.82%n/a
Loan Growth (YoY)n/an/a26.80%27.75%4.57%n/a
Share Growth (YoY)n/an/a40.17%28.64%21.96%n/a
Asset Quality
Delinquent Loans / Loans1.18%2.83%2.74%2.02%1.54%+36 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.11%1.99%1.66%1.69%4.67%+356 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 / Shares91.32%92.87%81.83%92.37%78.30%-1,302 bps
Liquid Assets / Assets8.56%6.65%13.22%5.00%16.52%+796 bps