PackageTrendsPeer
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Mt. Carmel M.B.C.

Dayton, OH · Charter 66010

Q2 1997

$41KAssets
$0KLoans
$39KShares
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 2.09%, down 106 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (-570 bps YoY).
  • Funding: loans stand at 0.91% of shares as of Q2 1997.

Financial Results

Return on Assets (YTD, annualized)

2.09%-106 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 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets3.14%2.76%0.86%0.97%2.09%-106 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/a16.03%-15.53%-4.12%n/a
Loan Growth (YoY)n/an/a-37.29%16.86%-67.13%n/a
Share Growth (YoY)n/an/a14.62%-18.26%-5.58%n/a
Asset Quality
Delinquent Loans / Loans5.70%0.00%0.00%33.09%0.00%-570 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans19.51%18.56%17.29%17.03%59.38%+3,986 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 / Shares2.62%3.40%2.92%4.12%0.91%-171 bps
Liquid Assets / Assets50.75%65.00%52.10%84.19%65.80%+1,505 bps