PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Great Lakes

Toledo, OH · Charter 3637

Q4 1996

$20.6MAssets
$15.5MLoans
$18.5MShares
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 3.74%, up 16 bps year over year.
  • Asset quality: problem loans at 0.38% of loans (-61 bps YoY).
  • Funding: loans stand at 83.98% of shares as of Q4 1996.

Financial Results

Return on Assets (quarter, annualized)

3.74%+16 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1994Q2 1995Q4 1995Q2 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets3.57%3.58%3.77%3.67%3.74%+16 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/a-0.99%2.57%n/a
Loan Growth (YoY)n/an/an/a26.88%16.63%n/a
Share Growth (YoY)n/an/an/a-3.69%1.82%n/a
Asset Quality
Delinquent Loans / Loans1.00%0.61%0.37%0.39%0.38%-61 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.39%1.28%1.04%1.19%1.07%-32 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 / Shares73.32%72.19%79.04%77.51%83.98%+1,066 bps
Liquid Assets / Assets10.74%7.44%8.27%10.10%6.04%-469 bps