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Champaign Meadow Gold

Mahomet, IL · Charter 65827

Q4 1996

$302KAssets
$213KLoans
$247KShares
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 1.91%, down 50 bps year over year.
  • Asset quality: problem loans at 28.48% of loans (+2,741 bps YoY).
  • Funding: loans stand at 86.28% of shares as of Q4 1996.

Financial Results

Return on Assets (quarter, annualized)

1.91%-50 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1994Q2 1995Q4 1995Q2 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets2.41%2.85%3.38%3.65%1.91%-50 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/an/a-17.18%-35.18%n/a
Loan Growth (YoY)n/an/an/a7.70%-16.42%n/a
Share Growth (YoY)n/an/an/a-21.03%-39.78%n/a
Asset Quality
Delinquent Loans / Loans1.07%3.85%1.40%5.30%28.48%+2,741 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.89%3.15%3.02%2.78%5.61%+272 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 / Shares62.16%59.69%66.06%75.32%86.28%+2,411 bps
Liquid Assets / Assets39.96%39.63%32.54%30.01%26.25%-1,371 bps