PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Fairway Employees

Northfield, MN · Charter 60511

Q4 1999

$4.4MAssets
$3.0MLoans
$3.8MShares
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 0.85%, down 366 bps year over year; NIM at 4.09%.
  • Asset quality: problem loans at 1.92% of loans (+109 bps YoY).
  • Funding: loans stand at 80.55% of shares as of Q4 1999.

Financial Results

Return on Assets (YTD, annualized)

0.85%-366 bps YoY

Net Interest Margin (YTD, annualized)

4.09%

Efficiency Ratio (YTD, annualized)

79.45%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets4.51%5.14%4.71%4.72%0.85%-366 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a4.09%n/an/a
Efficiency Ration/an/an/an/a79.45%n/an/a
Growth
Asset Growth (YoY)7.84%-0.22%2.24%3.86%-1.67%-951 bps
Loan Growth (YoY)22.34%15.64%9.86%8.09%-2.61%-2,496 bps
Share Growth (YoY)6.82%-2.17%0.49%1.99%-3.66%-1,048 bps
Asset Quality
Delinquent Loans / Loans0.83%0.30%0.25%0.20%1.92%+109 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.45%0.44%0.35%0.35%0.37%-7 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 / Shares79.68%82.99%82.57%83.13%80.55%+87 bps
Liquid Assets / Assets24.02%24.47%21.83%19.19%9.05%-1,497 bps