PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Taylor Manufacturing Employees

Campbellsville, KY · Charter 62925

Q2 1997

$757KAssets
$355KLoans
$648KShares
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 2.67%, down 412 bps year over year.
  • Asset quality: problem loans at 8.85% of loans (+729 bps YoY).
  • Funding: loans stand at 54.72% of shares as of Q2 1997.

Financial Results

Return on Assets (YTD, annualized)

2.67%-412 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 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets6.79%6.85%6.49%6.57%2.67%-412 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/a-14.21%-27.89%-37.94%n/a
Loan Growth (YoY)n/an/a4.33%-33.78%-56.93%n/a
Share Growth (YoY)n/an/a-15.78%-35.70%-40.27%n/a
Asset Quality
Delinquent Loans / Loans1.56%1.31%2.33%2.25%8.85%+729 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.22%1.99%2.29%3.88%3.73%+152 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 / Shares75.89%76.04%98.95%85.45%54.72%-2,117 bps
Liquid Assets / Assets23.10%19.92%12.35%0.44%0.54%-2,257 bps