PackageTrendsPeer
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M. M. C. Employees

Kansas City, MO · Charter 61319

Q2 1996

$684KAssets
$646KLoans
$534KShares
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 2.25%, up 39 bps year over year.
  • Asset quality: problem loans at 0.60% of loans (-256 bps YoY).
  • Funding: loans stand at 120.95% of shares as of Q2 1996.

Financial Results

Return on Assets (quarter, annualized)

2.25%+39 bps YoY

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 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets1.85%2.48%2.15%2.51%2.25%+39 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-21.06%n/an/a
Loan Growth (YoY)n/an/an/an/a23.48%n/an/a
Share Growth (YoY)n/an/an/an/a-32.50%n/an/a
Asset Quality
Delinquent Loans / Loans3.16%2.96%0.89%3.09%0.60%-256 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.32%2.23%1.56%1.54%1.44%-88 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 / Shares66.12%66.04%79.90%113.15%120.95%+5,483 bps
Liquid Assets / Assets36.32%32.37%27.26%2.79%3.77%-3,255 bps