PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Kemps Marigold Credit Union

Minneapolis, MN · Charter 63871

Q4 1996

$4.1MAssets
$2.3MLoans
$3.6MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 0.93%, down 227 bps year over year.
  • Asset quality: problem loans at 2.46% of loans (+50 bps YoY).
  • Funding: loans stand at 65.32% of shares as of Q4 1996.

Return on Assets (quarter, annualized)

0.93%-227 bps YoY

Net Interest Margin (quarter, annualized)

n/a
n/a

Efficiency Ratio (quarter, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Discrete quarter, annualized.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets3.10%3.20%2.98%1.04%0.93%0.93%-227 bps
Return on Equityn/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a-13.11%-18.65%n/a
Loan Growth (YoY)n/an/an/an/a-3.64%-33.04%n/a
Share Growth (YoY)n/an/an/an/a-11.86%-17.58%n/a
Asset Quality
Delinquent Loans / Loans2.28%1.97%3.96%5.52%3.39%2.46%+50 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/a
Allowance / Loans1.63%1.18%1.45%1.23%3.45%2.67%+148 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares66.37%80.40%80.27%76.11%72.56%65.32%-1,508 bps
Liquid Assets / Assets16.56%8.96%14.85%13.33%19.03%24.86%+1,590 bps