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St. Mary's Parish

Carsonville, MI · Charter 62023

Q2 1999

$141KAssets
$65KLoans
$121KShares
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 12.37%, up 436 bps year over year.
  • Asset quality: problem loans at 25.18% of loans (+2,019 bps YoY).
  • Funding: loans stand at 53.52% of shares as of Q2 1999.

Financial Results

Return on Assets (quarter, annualized)

12.37%+436 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets8.01%6.88%-19.96%-5.93%12.37%+436 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)17.67%22.43%-1.15%-1.47%-2.54%-2,020 bps
Loan Growth (YoY)15.32%0.96%-2.90%-28.05%-40.22%-5,553 bps
Share Growth (YoY)12.76%17.82%6.64%7.20%4.04%-872 bps
Asset Quality
Delinquent Loans / Loans4.99%5.20%24.83%35.92%25.18%+2,019 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.22%0.23%9.72%18.30%13.94%+1,372 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 / Shares93.13%80.18%72.49%60.96%53.52%-3,962 bps
Liquid Assets / Assets19.25%32.26%34.60%50.46%54.20%+3,496 bps