PackageTrendsPeer
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Moorhead

Moorhead, MN · Charter 60135

Q4 1999

$6.8MAssets
$4.6MLoans
$6.2MShares
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 0.37%, down 241 bps year over year; NIM at 4.11%.
  • Asset quality: problem loans at 0.24% of loans (-30 bps YoY).
  • Funding: loans stand at 73.32% of shares as of Q4 1999.

Financial Results

Return on Assets (quarter, annualized)

0.37%-241 bps YoY

Net Interest Margin (quarter, annualized)

4.11%

Efficiency Ratio (quarter, annualized)

91.27%

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets2.78%2.78%2.75%2.41%0.37%-241 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a4.11%n/an/a
Efficiency Ration/an/an/an/a91.27%n/an/a
Growth
Asset Growth (YoY)3.14%6.90%14.61%13.56%16.64%+1,350 bps
Loan Growth (YoY)-3.19%5.29%-3.31%7.19%14.46%+1,765 bps
Share Growth (YoY)1.83%6.07%14.69%13.69%17.16%+1,533 bps
Asset Quality
Delinquent Loans / Loans0.55%0.76%0.76%0.38%0.24%-30 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.74%0.70%0.68%0.52%0.46%-28 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 / Shares75.05%73.37%68.35%69.21%73.32%-173 bps
Liquid Assets / Assets27.31%27.47%33.08%31.43%23.01%-430 bps