PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Lakeland Catholic

Drayton Plains, MI · Charter 61349

Q2 1997

$1.9MAssets
$1.2MLoans
$1.6MShares
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 2.42%, unchanged from a year ago.
  • Asset quality: problem loans at 4.59% of loans (+391 bps YoY).
  • Funding: loans stand at 70.55% of shares as of Q2 1997.

Financial Results

Return on Assets (quarter, annualized)

2.42%0 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets2.42%2.70%2.90%2.70%2.42%0 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/a-13.17%-19.35%-14.50%n/a
Loan Growth (YoY)n/an/a47.89%-8.56%-18.37%n/a
Share Growth (YoY)n/an/a-16.02%-19.32%-10.99%n/a
Asset Quality
Delinquent Loans / Loans0.68%0.53%0.26%0.01%4.59%+391 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.05%1.20%0.66%0.58%0.54%-50 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 / Shares76.93%94.80%79.50%71.70%70.55%-638 bps
Liquid Assets / Assets25.19%7.24%21.62%33.07%20.86%-433 bps