PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Maumee Valley

Toledo, OH · Charter 4935

Q2 1997

$12.9MAssets
$9.3MLoans
$10.6MShares
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 3.66%, down 63 bps year over year.
  • Asset quality: problem loans at 2.51% of loans (+94 bps YoY).
  • Funding: loans stand at 87.82% of shares as of Q2 1997.

Financial Results

Return on Assets (YTD, annualized)

3.66%-63 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 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets4.29%4.27%3.61%3.51%3.66%-63 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/a4.40%4.63%10.75%n/a
Loan Growth (YoY)n/an/a10.05%6.46%4.99%n/a
Share Growth (YoY)n/an/a1.53%3.15%10.56%n/a
Asset Quality
Delinquent Loans / Loans1.58%2.06%10.59%2.10%2.51%+94 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.60%0.80%0.82%0.85%0.96%+36 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 / Shares92.48%89.52%85.28%88.90%87.82%-466 bps
Liquid Assets / Assets11.05%16.64%20.50%18.16%19.20%+815 bps