PackageTrendsPeer
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Medtronic Employees

Anaheim, CA · Charter 23039

Q4 1999

$1.7MAssets
$1.6MLoans
$1.4MShares
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 0.00%, down 550 bps year over year; NIM at 7.37%.
  • Asset quality: problem loans at 3.97% of loans (+77 bps YoY).
  • Funding: loans stand at 115.16% of shares as of Q4 1999.

Financial Results

Return on Assets (quarter, annualized)

0.00%-550 bps YoY

Net Interest Margin (quarter, annualized)

7.37%

Efficiency Ratio (quarter, annualized)

66.71%

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets5.50%5.45%4.74%4.08%0.00%-550 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a7.37%n/an/a
Efficiency Ration/an/an/an/a66.71%n/an/a
Growth
Asset Growth (YoY)63.84%51.20%31.96%9.41%6.97%-5,687 bps
Loan Growth (YoY)29.13%44.68%42.74%-0.69%34.76%+563 bps
Share Growth (YoY)60.27%47.69%28.07%9.51%0.17%-6,010 bps
Asset Quality
Delinquent Loans / Loans3.20%2.17%3.64%4.31%3.97%+77 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.66%1.92%1.97%2.69%2.54%-13 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 / Shares85.60%95.76%108.56%99.44%115.16%+2,956 bps
Liquid Assets / Assets13.13%11.76%0.00%0.00%0.00%-1,313 bps