PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Our Own Hardware Employees

Burnsville, MN · Charter 64704

Q2 1997

$651KAssets
$465KLoans
$516KShares
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 3.58%, up 171 bps year over year.
  • Asset quality: problem loans at 0.17% of loans (-64 bps YoY).
  • Funding: loans stand at 90.11% of shares as of Q2 1997.

Financial Results

Return on Assets (YTD, annualized)

3.58%+171 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets1.88%2.73%3.52%3.60%3.58%+171 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)n/an/a12.56%3.19%3.05%n/a
Loan Growth (YoY)n/an/a170.61%139.18%44.80%n/a
Share Growth (YoY)n/an/a20.96%7.31%6.44%n/a
Asset Quality
Delinquent Loans / Loans0.81%0.37%0.26%0.00%0.17%-64 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.81%0.37%0.26%0.00%0.02%-79 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 / Shares66.24%82.70%105.74%98.96%90.11%+2,387 bps
Liquid Assets / Assets36.08%29.25%10.13%14.85%24.14%-1,194 bps