PackageTrendsPeer
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Serf

Roseveille, MI · Charter 65320

Q1 1998

$54.7MAssets
$36.3MLoans
$49.2MShares
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 4.48%, up 160 bps year over year.
  • Asset quality: problem loans at 0.71% of loans (-93 bps YoY).
  • Funding: loans stand at 73.82% of shares as of Q1 1998.

Financial Results

Return on Assets (YTD, annualized)

4.48%+160 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 1996Q4 1996Q2 1997Q4 1997Q1 1998YoY ΔTrend
Earnings
Return on Assets2.88%3.94%4.48%4.45%4.48%+160 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)20.74%17.26%22.20%23.23%11.16%-958 bps
Loan Growth (YoY)28.54%25.61%26.84%32.95%11.31%-1,723 bps
Share Growth (YoY)19.14%15.94%21.33%22.71%9.80%-935 bps
Asset Quality
Delinquent Loans / Loans1.64%1.41%1.07%0.99%0.71%-93 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.73%2.60%2.38%2.16%2.11%-61 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 / Shares72.82%76.75%74.60%78.32%73.82%+100 bps
Liquid Assets / Assets14.08%11.21%11.30%10.94%14.02%-5 bps