PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Morbark Employees

Winn, MI · Charter 62052

Q4 1997

$375KAssets
$292KLoans
$313KShares
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 3.91%, up 46 bps year over year.
  • Asset quality: problem loans at 2.39% of loans (-10 bps YoY).
  • Funding: loans stand at 93.41% of shares as of Q4 1997.

Financial Results

Return on Assets (quarter, annualized)

3.91%+46 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1995Q2 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets3.46%4.21%5.47%1.61%3.91%+46 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/a8.67%6.05%4.83%-0.14%n/a
Loan Growth (YoY)n/a50.37%32.45%-1.14%-11.51%n/a
Share Growth (YoY)n/a6.45%1.44%0.41%-3.91%n/a
Asset Quality
Delinquent Loans / Loans2.49%1.33%1.14%1.04%2.39%-10 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.09%2.66%1.84%2.03%1.78%-131 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 / Shares101.43%100.29%109.18%94.74%93.41%-802 bps
Liquid Assets / Assets10.00%12.44%7.33%19.71%15.84%+583 bps