PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Minco Employees

Auburndale, FL · Charter 19409

Q2 1996

$2.1MAssets
$1.1MLoans
$1.9MShares
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 2.07%, up 65 bps year over year.
  • Asset quality: problem loans at 1.40% of loans (+59 bps YoY).
  • Funding: loans stand at 58.95% of shares as of Q2 1996.

Financial Results

Return on Assets (YTD, annualized)

2.07%+65 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.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets1.42%2.17%2.12%2.28%2.07%+65 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/a-29.85%n/an/a
Loan Growth (YoY)n/an/an/an/a-26.98%n/an/a
Share Growth (YoY)n/an/an/an/a-33.03%n/an/a
Asset Quality
Delinquent Loans / Loans0.82%0.65%0.48%0.17%1.40%+59 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.24%0.21%0.19%0.27%0.49%+25 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 / Shares54.07%65.79%80.49%71.63%58.95%+488 bps
Liquid Assets / Assets42.01%32.37%22.49%27.60%27.48%-1,453 bps