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Blackmer Pump

Grand Rapids, MI · Charter 61444

Q2 1996

$456KAssets
$308KLoans
$374KShares
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 0.99%, down 36 bps year over year.
  • Asset quality: problem loans at 1.54% of loans (-43 bps YoY).
  • Funding: loans stand at 82.32% of shares as of Q2 1996.

Financial Results

Return on Assets (quarter, annualized)

0.99%-36 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 Assets1.36%2.31%3.32%4.32%0.99%-36 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-22.49%n/an/a
Loan Growth (YoY)n/an/an/an/a6.82%n/an/a
Share Growth (YoY)n/an/an/an/a-25.67%n/an/a
Asset Quality
Delinquent Loans / Loans1.97%1.72%1.39%2.29%1.54%-43 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.45%3.21%3.12%2.01%1.95%-151 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 / Shares57.28%68.79%90.14%112.52%82.32%+2,504 bps
Liquid Assets / Assets41.74%36.53%20.90%7.56%25.57%-1,617 bps