PackageTrendsPeer
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Heritage

Madison, WI · Charter 23026

Q4 1998

$108.3MAssets
$85.4MLoans
$92.9MShares
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 4.14%, down 22 bps year over year.
  • Asset quality: problem loans at 1.04% of loans (+1 bps YoY).
  • Funding: loans stand at 91.90% of shares as of Q4 1998.

Financial Results

Return on Assets (quarter, annualized)

4.14%-22 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1997Q1 1998Q2 1998Q3 1998Q4 1998YoY ΔTrend
Earnings
Return on Assets4.36%4.07%4.19%4.21%4.14%-22 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)6.97%6.83%6.69%2.58%6.31%-66 bps
Loan Growth (YoY)13.31%11.37%8.95%6.17%6.16%-714 bps
Share Growth (YoY)6.86%7.29%7.11%2.11%6.98%+13 bps
Asset Quality
Delinquent Loans / Loans1.03%1.05%1.13%1.27%1.04%+1 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.21%1.08%0.86%0.84%0.94%-26 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 / Shares92.61%90.44%91.99%95.44%91.90%-71 bps
Liquid Assets / Assets6.07%6.22%4.61%4.26%3.47%-260 bps