PackageTrendsPeer
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Saulte Ste. Marie

Glenwood, MN · Charter 60075

Q2 1996

$237KAssets
$104KLoans
$200KShares
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 1.02%, down 54 bps year over year.
  • Asset quality: problem loans at 0.85% of loans (-657 bps YoY).
  • Funding: loans stand at 51.91% of shares as of Q2 1996.

Financial Results

Return on Assets (YTD, annualized)

1.02%-54 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 Assets1.55%2.14%1.27%2.04%1.02%-54 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/a-5.84%n/an/a
Loan Growth (YoY)n/an/an/an/a-28.51%n/an/a
Share Growth (YoY)n/an/an/an/a-7.35%n/an/a
Asset Quality
Delinquent Loans / Loans7.42%4.26%0.23%2.45%0.85%-657 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.98%2.04%2.01%2.00%3.12%+114 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 / Shares67.27%60.15%59.89%52.76%51.91%-1,537 bps
Liquid Assets / Assets40.99%47.67%35.61%52.61%54.21%+1,321 bps