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Sanish Farmers Union

New Town, ND · Charter 64187

Q4 1999

$877KAssets
$176KLoans
$769KShares
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 -0.07%, down 554 bps year over year; NIM at 3.38%.
  • Asset quality: problem loans at 0.00% of loans (-562 bps YoY).
  • Funding: loans stand at 22.90% of shares as of Q4 1999.

Financial Results

Return on Assets (quarter, annualized)

-0.07%-554 bps YoY

Net Interest Margin (quarter, annualized)

3.38%

Efficiency Ratio (quarter, annualized)

102.10%

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets5.47%3.95%4.58%3.06%-0.07%-554 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a3.38%n/an/a
Efficiency Ration/an/an/an/a102.10%n/an/a
Growth
Asset Growth (YoY)11.62%18.43%22.10%3.86%-6.29%-1,791 bps
Loan Growth (YoY)1.51%-9.79%-33.86%-40.89%-55.52%-5,703 bps
Share Growth (YoY)11.88%20.21%23.11%4.13%-7.96%-1,984 bps
Asset Quality
Delinquent Loans / Loans5.62%14.75%15.82%23.13%0.00%-562 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.54%2.40%6.39%7.58%7.15%+362 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 / Shares47.37%41.18%29.07%28.82%22.90%-2,448 bps
Liquid Assets / Assets56.16%58.14%0.00%72.29%77.22%+2,106 bps