PackageTrendsPeer
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Northern States Service Station

Minneapolis, MN · Charter 64848

Q2 1999

$7.4MAssets
$5.9MLoans
$6.4MShares
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 4.57%, down 27 bps year over year.
  • Asset quality: problem loans at 0.79% of loans (-113 bps YoY).
  • Funding: loans stand at 91.43% of shares as of Q2 1999.

Financial Results

Return on Assets (quarter, annualized)

4.57%-27 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 Assets4.84%4.86%5.41%5.04%4.57%-27 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)22.20%10.64%9.57%5.59%10.56%-1,163 bps
Loan Growth (YoY)6.52%26.57%25.41%21.63%17.63%+1,111 bps
Share Growth (YoY)23.89%10.58%8.51%3.81%10.19%-1,370 bps
Asset Quality
Delinquent Loans / Loans1.92%1.16%2.82%1.97%0.79%-113 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.82%0.79%1.00%0.89%0.58%-24 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 / Shares85.65%100.63%97.26%94.92%91.43%+578 bps
Liquid Assets / Assets17.46%4.61%13.14%14.06%16.44%-103 bps