PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Wirtz Employees

Port Huron, MI · Charter 21961

Q2 1999

$494KAssets
$328KLoans
$422KShares
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 2.69%, up 73 bps year over year.
  • Asset quality: problem loans at 0.96% of loans (-41 bps YoY).
  • Funding: loans stand at 77.84% of shares as of Q2 1999.

Financial Results

Return on Assets (quarter, annualized)

2.69%+73 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets1.97%2.63%2.87%3.12%2.69%+73 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)-5.89%-1.61%-10.60%-7.54%-7.28%-139 bps
Loan Growth (YoY)2.31%-15.58%-13.58%-10.77%-2.47%-477 bps
Share Growth (YoY)-7.55%-2.48%-11.55%-9.64%-11.74%-420 bps
Asset Quality
Delinquent Loans / Loans1.37%1.03%1.22%0.60%0.96%-41 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.94%0.98%0.90%0.98%0.96%+2 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 / Shares70.44%66.30%75.82%76.35%77.84%+740 bps
Liquid Assets / Assets35.87%39.90%30.41%30.58%31.65%-421 bps