Burnsville, MN · Charter 64704
Q2 1997
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1997, the quarter ended June 30, 1997, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Burnsville, MN · Charter 64704
Q2 1997
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.88% | 2.73% | 3.52% | 3.60% | 3.58% | +171 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | n/a | n/a | 12.56% | 3.19% | 3.05% | n/a | |
| Loan Growth (YoY) | n/a | n/a | 170.61% | 139.18% | 44.80% | n/a | |
| Share Growth (YoY) | n/a | n/a | 20.96% | 7.31% | 6.44% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.81% | 0.37% | 0.26% | 0.00% | 0.17% | -64 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.81% | 0.37% | 0.26% | 0.00% | 0.02% | -79 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.24% | 82.70% | 105.74% | 98.96% | 90.11% | +2,387 bps | |
| Liquid Assets / Assets | 36.08% | 29.25% | 10.13% | 14.85% | 24.14% | -1,194 bps | |