PackageTrendsPeer
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K.M.D.

Kewanee, IL · Charter 60196

Q4 1995

$157KAssets
$82KLoans
$116KShares
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 1.46%.
  • Asset quality: problem loans at 5.37% of loans.
  • Funding: loans stand at 70.38% of shares as of Q4 1995.

Financial Results

Return on Assets (quarter, annualized)

1.46%

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1994Q4 1994Q2 1995Q4 1995YoY ΔTrend
Earnings
Return on Assets0.62%0.97%0.50%1.46%n/a
Return on Equityn/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/an/an/a
Loan Growth (YoY)n/an/an/an/an/an/a
Share Growth (YoY)n/an/an/an/an/an/a
Asset Quality
Delinquent Loans / Loans4.04%2.60%3.25%5.37%n/a
Net Charge-Offs / Loansn/an/an/an/an/an/a
Allowance / Loans5.50%4.61%2.03%5.56%n/a
Capital
Risk-Based Capitaln/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares45.44%49.83%60.42%70.38%n/a
Liquid Assets / Assets40.33%34.04%22.18%45.95%n/a