PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

M G H

Marion, IN · Charter 19793

Q2 1997

$1.2MAssets
$926KLoans
$1.1MShares
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 3.34%, down 82 bps year over year.
  • Asset quality: problem loans at 3.06% of loans (+297 bps YoY).
  • Funding: loans stand at 87.41% of shares as of Q2 1997.

Financial Results

Return on Assets (YTD, annualized)

3.34%-82 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 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets4.16%4.41%3.65%3.98%3.34%-82 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/a42.74%20.25%12.76%n/a
Loan Growth (YoY)n/an/a27.67%15.22%14.23%n/a
Share Growth (YoY)n/an/a47.80%21.31%13.07%n/a
Asset Quality
Delinquent Loans / Loans0.09%1.22%1.34%3.90%3.06%+297 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.88%1.11%0.76%0.61%0.69%-19 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 / Shares86.52%95.95%83.48%92.57%87.41%+89 bps
Liquid Assets / Assets20.45%17.57%22.14%14.89%22.82%+237 bps