Winn, MI · Charter 62052
Q4 1997
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1997, the quarter ended December 31, 1997, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Winn, MI · Charter 62052
Q4 1997
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.46% | 4.21% | 5.47% | 1.61% | 3.91% | +46 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | n/a | 8.67% | 6.05% | 4.83% | -0.14% | n/a | |
| Loan Growth (YoY) | n/a | 50.37% | 32.45% | -1.14% | -11.51% | n/a | |
| Share Growth (YoY) | n/a | 6.45% | 1.44% | 0.41% | -3.91% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.49% | 1.33% | 1.14% | 1.04% | 2.39% | -10 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.09% | 2.66% | 1.84% | 2.03% | 1.78% | -131 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 101.43% | 100.29% | 109.18% | 94.74% | 93.41% | -802 bps | |
| Liquid Assets / Assets | 10.00% | 12.44% | 7.33% | 19.71% | 15.84% | +583 bps | |