PackageTrendsPeer
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Faribo

Faribault, MN · Charter 62671

Q2 1996

$234KAssets
$169KLoans
$175KShares
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 3.33%, down 92 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (-12 bps YoY).
  • Funding: loans stand at 96.42% of shares as of Q2 1996.

Financial Results

Return on Assets (YTD, annualized)

3.33%-92 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 1994Q4 1994Q2 1995Q4 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets4.25%4.28%3.51%4.38%3.33%-92 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/an/a-2.47%n/an/a
Loan Growth (YoY)n/an/an/an/a-11.61%n/an/a
Share Growth (YoY)n/an/an/an/a-5.54%n/an/a
Asset Quality
Delinquent Loans / Loans0.12%0.00%3.20%1.19%0.00%-12 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.72%2.17%2.22%2.13%2.41%+69 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 / Shares103.04%100.67%96.50%102.21%96.42%-662 bps
Liquid Assets / Assets14.86%19.14%22.80%19.67%25.35%+1,049 bps