PackageTrendsPeer
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Maine Turnpike

Portland, ME · Charter 61389

Q4 1996

$1.5MAssets
$798KLoans
$1.4MShares
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 3.23%, up 65 bps year over year.
  • Asset quality: problem loans at 0.99% of loans (+86 bps YoY).
  • Funding: loans stand at 57.36% of shares as of Q4 1996.

Financial Results

Return on Assets (YTD, annualized)

3.23%+65 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ4 1994Q2 1995Q4 1995Q2 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets2.58%1.48%2.22%2.87%3.23%+65 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/a3.10%3.37%n/a
Loan Growth (YoY)n/an/an/a16.04%2.20%n/a
Share Growth (YoY)n/an/an/a4.72%4.41%n/a
Asset Quality
Delinquent Loans / Loans0.14%0.69%0.68%0.98%0.99%+86 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.36%1.29%1.34%1.36%1.42%+6 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 / Shares58.60%58.16%60.24%54.32%57.36%-124 bps
Liquid Assets / Assets41.82%41.43%42.59%47.69%44.33%+252 bps