PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Graco Employees

Minneapolis, MN · Charter 62938

Q2 1998

$7.3MAssets
$6.2MLoans
$6.9MShares
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 2.36%, down 70 bps year over year.
  • Asset quality: problem loans at 2.92% of loans (+12 bps YoY).
  • Funding: loans stand at 90.69% of shares as of Q2 1998.

Financial Results

Return on Assets (quarter, annualized)

2.36%-70 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1996Q4 1996Q2 1997Q4 1997Q2 1998YoY ΔTrend
Earnings
Return on Assets3.06%5.47%4.14%3.76%2.36%-70 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)17.42%14.65%8.81%7.88%-0.32%-1,774 bps
Loan Growth (YoY)16.23%11.60%11.79%5.80%2.29%-1,394 bps
Share Growth (YoY)18.56%15.18%11.36%9.02%0.52%-1,804 bps
Asset Quality
Delinquent Loans / Loans2.80%2.17%3.99%1.92%2.92%+12 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.75%0.76%1.29%1.31%2.90%+215 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 / Shares89.12%90.83%93.43%92.27%90.69%+157 bps
Liquid Assets / Assets3.61%5.17%8.40%1.97%10.35%+674 bps