PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

LPL Employees

Duluth, MN · Charter 24586

Q2 2001

$3.3MAssets
$2.3MLoans
$3.0MShares
$365KNet 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 0.53%, down 345 bps year over year; NIM at 2.76%.
  • Asset quality: problem loans at 0.59% of loans (-55 bps YoY).
  • Capital: net worth / assets of 10.98%.
  • Funding: loans stand at 79.43% of shares as of Q2 2001.

Financial Results

Return on Assets (YTD, annualized)

0.53%-345 bps YoY

Net Interest Margin (YTD, annualized)

2.76%

Efficiency Ratio (YTD, annualized)

80.96%

Net Worth / Assets

10.98%

Year to date, annualized, through each quarter.

MetricQ2 1999Q4 1999Q2 2000Q4 2000Q2 2001YoY ΔTrend
Earnings
Return on Assets3.97%0.69%0.54%0.53%0.53%-345 bps
Return on Equityn/an/an/a4.82%4.79%n/a
Net Interest Marginn/a2.95%2.84%3.02%2.76%n/a
Efficiency Ration/a74.41%80.85%82.62%80.96%n/a
Growth
Asset Growth (YoY)-9.52%1.58%-4.66%-11.98%-9.13%+39 bps
Loan Growth (YoY)15.55%12.15%-2.63%6.60%-5.56%-2,112 bps
Share Growth (YoY)-10.94%0.59%-6.19%-14.39%-11.29%-34 bps
Asset Quality
Delinquent Loans / Loans1.15%3.25%1.57%2.83%0.59%-55 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.43%0.44%0.47%0.43%0.32%-11 bps
Capital
Risk-Based Capitaln/an/an/a10.90%10.98%n/a
Net Worth / Assetsn/an/an/a10.90%10.98%n/a
Liquidity & Funding
Loans / Shares74.62%73.83%73.59%85.38%79.43%+481 bps
Liquid Assets / Assets29.82%24.78%26.10%21.95%27.33%-249 bps