PackageTrendsPeer
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Hocak

Blk River Falls, WI · Charter 24580

Q2 1999

$1.1MAssets
$961KLoans
$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 -43.99%, down 3,343 bps year over year.
  • Asset quality: problem loans at 15.98% of loans (+1,508 bps YoY).
  • Funding: loans stand at 86.75% of shares as of Q2 1999.

Financial Results

Return on Assets (quarter, annualized)

-43.99%-3,343 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets-10.56%-10.09%-12.59%-18.18%-43.99%-3,343 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/a143.50%5.54%n/a
Loan Growth (YoY)n/an/an/a157.53%-2.41%n/a
Share Growth (YoY)n/an/an/a1579%73.40%n/a
Asset Quality
Delinquent Loans / Loans0.90%2.87%7.03%8.70%15.98%+1,508 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.24%0.50%0.50%5.14%4.04%+380 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 / Shares154.14%123.52%96.27%83.09%86.75%-6,739 bps
Liquid Assets / Assets1.28%9.53%3.64%25.96%1.49%+22 bps