PackageTrendsPeer
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Nk\novartis

Minneapolis, MN · Charter 64092

Q2 2000

$4.0MAssets
$3.1MLoans
$3.4MShares
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 1.03%, down 201 bps year over year; NIM at 4.58%.
  • Asset quality: problem loans at 0.80% of loans (-219 bps YoY).
  • Funding: loans stand at 92.21% of shares as of Q2 2000.

Financial Results

Return on Assets (quarter, annualized)

1.03%-201 bps YoY

Net Interest Margin (quarter, annualized)

4.58%

Efficiency Ratio (quarter, annualized)

78.52%

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000YoY ΔTrend
Earnings
Return on Assets3.04%3.47%3.41%0.43%1.03%-201 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a4.35%4.58%n/a
Efficiency Ration/an/an/a81.58%78.52%n/a
Growth
Asset Growth (YoY)0.12%1.78%8.23%6.04%12.44%+1,232 bps
Loan Growth (YoY)9.37%-7.91%-11.11%-6.78%11.10%+173 bps
Share Growth (YoY)-1.26%0.90%8.59%5.95%12.62%+1,388 bps
Asset Quality
Delinquent Loans / Loans2.99%3.24%2.17%1.96%0.80%-219 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.92%1.08%1.41%1.43%0.98%+6 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 / Shares93.47%83.18%79.15%88.05%92.21%-126 bps
Liquid Assets / Assets18.53%27.78%32.37%24.09%21.47%+295 bps