PackageTrendsPeer
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I C D

Madison, OH · Charter 22544

Q2 1997

$158KAssets
$115KLoans
$127KShares
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 4.93%, up 134 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 90.42% of shares as of Q2 1997.

Financial Results

Return on Assets (quarter, annualized)

4.93%+134 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 Assets3.59%4.43%4.18%4.43%4.93%+134 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/a7.76%4.76%-19.15%n/a
Loan Growth (YoY)n/an/a151.63%83.86%-13.28%n/a
Share Growth (YoY)n/an/a3.90%0.06%-26.95%n/a
Asset Quality
Delinquent Loans / Loans0.00%0.00%5.78%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.02%0.92%0.85%0.96%1.18%+16 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 / Shares76.17%90.02%90.72%87.07%90.42%+1,425 bps
Liquid Assets / Assets26.56%9.25%15.17%11.12%16.44%-1,012 bps