PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Albert Lea Federal Employees

Albert Lea, MN · Charter 64846

Q4 1995

$184KAssets
$96KLoans
$153KShares
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 2.41%.
  • Asset quality: problem loans at 8.48% of loans.
  • Funding: loans stand at 62.98% of shares as of Q4 1995.

Financial Results

Return on Assets (YTD, annualized)

2.41%

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 1994Q4 1994Q2 1995Q4 1995YoY ΔTrend
Earnings
Return on Assets1.66%2.29%1.90%2.41%n/a
Return on Equityn/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/an/an/a
Loan Growth (YoY)n/an/an/an/an/an/a
Share Growth (YoY)n/an/an/an/an/an/a
Asset Quality
Delinquent Loans / Loans0.00%0.00%8.23%8.48%n/a
Net Charge-Offs / Loansn/an/an/an/an/an/a
Allowance / Loans0.48%0.48%0.61%0.81%n/a
Capital
Risk-Based Capitaln/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares83.00%94.55%70.48%62.98%n/a
Liquid Assets / Assets26.86%18.35%37.28%44.36%n/a