PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

MSGR. Champion K. of C.

River Rouge, MI · Charter 62306

Q4 1996

$1.0MAssets
$729KLoans
$748KShares
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 4.08%, down 133 bps year over year.
  • Asset quality: problem loans at 2.17% of loans (+19 bps YoY).
  • Funding: loans stand at 97.55% of shares as of Q4 1996.

Financial Results

Return on Assets (YTD, annualized)

4.08%-133 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.

MetricQ4 1994Q2 1995Q4 1995Q2 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets5.41%5.55%5.66%5.84%4.08%-133 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/a3.29%2.83%n/a
Loan Growth (YoY)n/an/an/a-8.03%-9.79%n/a
Share Growth (YoY)n/an/an/a-2.46%-0.91%n/a
Asset Quality
Delinquent Loans / Loans1.98%0.83%2.01%1.60%2.17%+19 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.53%2.30%3.12%3.51%3.66%+113 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 / Shares107.15%97.41%102.91%96.86%97.55%-960 bps
Liquid Assets / Assets19.73%25.37%24.75%29.13%26.55%+682 bps