PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Mid America Steel Employees

Fargo, ND · Charter 64384

Q2 1999

$398KAssets
$166KLoans
$350KShares
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 4.25%, down 169 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (-610 bps YoY).
  • Funding: loans stand at 47.47% of shares as of Q2 1999.

Financial Results

Return on Assets (quarter, annualized)

4.25%-169 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets5.94%4.87%5.71%3.13%4.25%-169 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)-12.91%-9.41%0.50%8.85%25.51%+3,842 bps
Loan Growth (YoY)-16.77%-27.60%-26.59%-15.36%-15.13%+164 bps
Share Growth (YoY)-16.09%-9.97%1.33%12.05%32.07%+4,815 bps
Asset Quality
Delinquent Loans / Loans6.10%3.70%3.12%0.00%0.00%-610 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.56%2.94%2.79%2.89%3.01%+46 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 / Shares73.86%61.46%62.56%57.40%47.47%-2,640 bps
Liquid Assets / Assets34.48%48.89%44.84%47.28%54.71%+2,023 bps