PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Walnut Mutual Benefit Association

West Hartford, CT · Charter 61479

Q2 1997

$215KAssets
$54KLoans
$64KShares
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 0.72%, down 98 bps year over year.
  • Asset quality: problem loans at 69.24% of loans (+6,218 bps YoY).
  • Funding: loans stand at 83.77% of shares as of Q2 1997.

Financial Results

Return on Assets (YTD, annualized)

0.72%-98 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.

MetricQ2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets1.71%-3.29%0.19%1.32%0.72%-98 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-36.57%-36.20%-36.41%n/a
Loan Growth (YoY)n/an/a-55.73%-66.48%-71.61%n/a
Share Growth (YoY)n/an/a-57.45%-53.73%-60.66%n/a
Asset Quality
Delinquent Loans / Loans7.05%14.36%27.63%58.67%69.24%+6,218 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.33%11.99%17.81%33.35%42.59%+4,026 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 / Shares116.09%131.41%118.33%88.78%83.77%-3,232 bps
Liquid Assets / Assets37.88%41.78%64.00%72.50%77.88%+4,000 bps