PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Medical Professions

Madison, IN · Charter 24401

Q2 1998

$1.2MAssets
$790KLoans
$1.1MShares
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 4.56%, down 77 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (-2 bps YoY).
  • Funding: loans stand at 70.13% of shares as of Q2 1998.

Financial Results

Return on Assets (YTD, annualized)

4.56%-77 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 1996Q4 1996Q2 1997Q4 1997Q2 1998YoY ΔTrend
Earnings
Return on Assets5.33%4.88%4.10%4.36%4.56%-77 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)14.75%10.60%25.14%18.89%-7.26%-2,201 bps
Loan Growth (YoY)91.19%78.02%66.03%12.38%-13.04%-10,423 bps
Share Growth (YoY)11.27%1.26%26.07%17.24%-8.30%-1,956 bps
Asset Quality
Delinquent Loans / Loans0.02%0.71%0.18%0.00%0.00%-2 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.31%0.28%0.31%0.31%0.36%+5 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 / Shares73.96%87.10%76.71%82.76%70.13%-383 bps
Liquid Assets / Assets9.16%11.67%22.54%19.52%12.80%+364 bps