PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Mapco Employees

Tulsa, OK · Charter 23851

Q4 1997

$8.5MAssets
$6.2MLoans
$7.3MShares
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 4.16%, down 28 bps year over year.
  • Asset quality: problem loans at 0.87% of loans (-87 bps YoY).
  • Funding: loans stand at 84.95% of shares as of Q4 1997.

Financial Results

Return on Assets (YTD, annualized)

4.16%-28 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.

MetricQ4 1995Q2 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets4.44%4.19%4.39%3.97%4.16%-28 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/a-10.81%-14.18%-4.03%-3.62%n/a
Loan Growth (YoY)n/a2.03%-0.43%3.21%4.19%n/a
Share Growth (YoY)n/a-12.99%-16.94%-5.96%-7.38%n/a
Asset Quality
Delinquent Loans / Loans1.74%1.04%2.62%0.94%0.87%-87 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.41%0.51%0.53%0.45%0.51%+9 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 / Shares75.51%67.07%80.09%77.54%84.95%+943 bps
Liquid Assets / Assets28.64%36.23%25.56%27.11%25.41%-323 bps