PackageTrendsPeer
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Middle Branch

Randolph Cen., VT · Charter 64895

Q4 1997

$102KAssets
$95KLoans
$93KShares
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 -2.81%, down 549 bps year over year.
  • Asset quality: problem loans at 7.09% of loans (-188 bps YoY).
  • Funding: loans stand at 102.55% of shares as of Q4 1997.

Financial Results

Return on Assets (YTD, annualized)

-2.81%-549 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.

MetricQ4 1995Q2 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets2.68%4.14%2.98%-2.59%-2.81%-549 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/a7.80%16.32%4.84%5.56%n/a
Loan Growth (YoY)n/a3.77%9.59%1.70%-0.30%n/a
Share Growth (YoY)n/a8.48%11.12%10.97%12.13%n/a
Asset Quality
Delinquent Loans / Loans8.97%8.08%15.52%6.05%7.09%-188 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans4.27%4.15%4.68%3.84%5.84%+157 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 / Shares115.33%108.07%113.32%98.34%102.55%-1,278 bps
Liquid Assets / Assets0.87%0.81%0.52%7.57%6.75%+588 bps