PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Matsushita Employees

Elgin, IL · Charter 24394

Q2 1996

$8.4MAssets
$5.1MLoans
$8.0MShares
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 -1.03%, down 23 bps year over year.
  • Asset quality: problem loans at 0.09% of loans (-515 bps YoY).
  • Funding: loans stand at 63.96% of shares as of Q2 1996.

Financial Results

Return on Assets (YTD, annualized)

-1.03%-23 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.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets-0.80%-0.77%4.82%5.50%-1.03%-23 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/an/an/a-42.24%n/an/a
Loan Growth (YoY)n/an/an/an/a-49.49%n/an/a
Share Growth (YoY)n/an/an/an/a-43.23%n/an/a
Asset Quality
Delinquent Loans / Loans5.24%2.58%2.97%3.61%0.09%-515 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans4.56%4.32%4.88%4.85%3.99%-57 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 / Shares71.89%83.35%78.41%77.68%63.96%-793 bps
Liquid Assets / Assets34.71%16.77%24.39%26.63%36.26%+155 bps