PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Menninger Employees

Topeka, KS · Charter 63305

Q2 1999

$3.5MAssets
$1.8MLoans
$2.6MShares
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 3.23%, down 4 bps year over year.
  • Asset quality: problem loans at 0.87% of loans (-73 bps YoY).
  • Funding: loans stand at 69.68% of shares as of Q2 1999.

Financial Results

Return on Assets (YTD, annualized)

3.23%-4 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 Assets3.27%3.37%3.15%3.35%3.23%-4 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)-3.76%-9.59%-11.71%-14.87%-14.20%-1,044 bps
Loan Growth (YoY)-12.30%-23.45%-32.97%-34.13%-34.10%-2,180 bps
Share Growth (YoY)-6.82%-13.71%-16.17%-20.37%-19.32%-1,250 bps
Asset Quality
Delinquent Loans / Loans1.60%1.66%1.36%1.22%0.87%-73 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.37%0.44%0.41%0.46%0.51%+14 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 / Shares85.30%94.44%82.36%78.46%69.68%-1,563 bps
Liquid Assets / Assets29.37%24.90%34.47%38.88%45.32%+1,596 bps