PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Farm Co. Op

Concordia, KS · Charter 5290

Q2 1996

$262KAssets
$158KLoans
$227KShares
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 2.75%, down 69 bps year over year.
  • Asset quality: problem loans at 2.00% of loans (+161 bps YoY).
  • Funding: loans stand at 69.71% of shares as of Q2 1996.

Financial Results

Return on Assets (YTD, annualized)

2.75%-69 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 1994Q4 1994Q2 1995Q4 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets3.45%3.89%4.05%4.64%2.75%-69 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/an/a4.81%n/an/a
Loan Growth (YoY)n/an/an/an/a24.07%n/an/a
Share Growth (YoY)n/an/an/an/a5.77%n/an/a
Asset Quality
Delinquent Loans / Loans0.39%0.31%0.24%0.21%2.00%+161 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans4.00%4.59%5.30%7.20%4.55%+55 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 / Shares59.43%53.87%57.35%41.37%69.71%+1,029 bps
Liquid Assets / Assets46.66%50.19%49.61%61.75%39.93%-674 bps