PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

MN. State Univ. Student Assoc.

Mankato, MN · Charter 24397

Q2 1997

$1.6MAssets
$741KLoans
$1.6MShares
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 -9.38%, down 1,408 bps year over year.
  • Asset quality: problem loans at 6.65% of loans (+312 bps YoY).
  • Funding: loans stand at 46.47% of shares as of Q2 1997.

Financial Results

Return on Assets (quarter, annualized)

-9.38%-1,408 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 Assets4.70%3.25%1.09%1.84%-9.38%-1,408 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/a217%72.55%35.42%n/a
Loan Growth (YoY)n/an/a163.33%89.42%56.29%n/a
Share Growth (YoY)n/an/a216%75.36%46.04%n/a
Asset Quality
Delinquent Loans / Loans3.54%7.36%6.83%9.57%6.65%+312 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.95%4.33%3.36%3.67%5.24%+228 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 / Shares43.42%39.84%46.39%42.34%46.47%+305 bps
Liquid Assets / Assets50.12%42.69%35.12%37.69%34.15%-1,597 bps