PackageTrendsPeer
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Duluth Medical Services

Duluth, MN · Charter 63086

Q2 1999

$8.5MAssets
$4.0MLoans
$7.8MShares
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 2.20%, down 118 bps year over year.
  • Asset quality: problem loans at 3.73% of loans (+307 bps YoY).
  • Funding: loans stand at 50.74% of shares as of Q2 1999.

Financial Results

Return on Assets (YTD, annualized)

2.20%-118 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 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets3.37%3.86%3.34%3.31%2.20%-118 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)10.99%9.40%17.17%24.74%26.17%+1,518 bps
Loan Growth (YoY)36.31%36.19%20.99%-5.58%-24.55%-6,086 bps
Share Growth (YoY)9.17%7.36%15.95%25.57%27.33%+1,816 bps
Asset Quality
Delinquent Loans / Loans0.67%1.03%2.55%1.51%3.73%+307 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.67%0.71%0.60%0.55%0.98%+31 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 / Shares85.64%89.59%66.85%62.01%50.74%-3,489 bps
Liquid Assets / Assets15.93%12.02%31.18%36.07%36.39%+2,046 bps