PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Burnham & Morrill Employees'

Portland, ME · Charter 63345

Q4 1995

$794KAssets
$586KLoans
$743KShares
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 1.91%.
  • Asset quality: problem loans at 3.03% of loans.
  • Funding: loans stand at 78.94% of shares as of Q4 1995.

Financial Results

Return on Assets (YTD, annualized)

1.91%

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 1994Q4 1994Q2 1995Q4 1995YoY ΔTrend
Earnings
Return on Assets11.05%1.65%1.28%1.91%n/a
Return on Equityn/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/an/an/a
Loan Growth (YoY)n/an/an/an/an/an/a
Share Growth (YoY)n/an/an/an/an/an/a
Asset Quality
Delinquent Loans / Loans1.75%1.49%4.83%3.03%n/a
Net Charge-Offs / Loansn/an/an/an/an/an/a
Allowance / Loans4.47%5.89%5.27%3.61%n/a
Capital
Risk-Based Capitaln/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares56.77%56.12%71.81%78.94%n/a
Liquid Assets / Assets15.62%39.13%28.16%13.63%n/a