PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Independent School District 316

Coleraine, MN · Charter 63139

Q2 2000

$433KAssets
$265KLoans
$325KShares
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 0.41%, down 260 bps year over year; NIM at 6.56%.
  • Asset quality: problem loans at 0.32% of loans (-95 bps YoY).
  • Funding: loans stand at 81.38% of shares as of Q2 2000.

Financial Results

Return on Assets (quarter, annualized)

0.41%-260 bps YoY

Net Interest Margin (quarter, annualized)

6.56%

Efficiency Ratio (quarter, annualized)

93.79%

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000YoY ΔTrend
Earnings
Return on Assets3.01%2.51%2.81%0.21%0.41%-260 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a5.97%6.56%n/a
Efficiency Ration/an/an/a96.48%93.79%n/a
Growth
Asset Growth (YoY)-3.70%-3.15%-1.76%-6.99%-12.49%-879 bps
Loan Growth (YoY)-13.92%-15.64%-23.84%-30.37%-29.31%-1,538 bps
Share Growth (YoY)-5.72%-5.26%-3.21%-9.48%-16.16%-1,044 bps
Asset Quality
Delinquent Loans / Loans1.27%0.53%0.47%2.90%0.32%-95 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.24%0.50%0.53%0.58%0.63%-61 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 / Shares96.51%86.57%87.24%83.03%81.38%-1,514 bps
Liquid Assets / Assets15.77%22.50%27.62%33.57%28.89%+1,312 bps