PackageTrendsPeer
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Chequamegon

Mellen, WI · Charter 66391

Q2 1996

$4.1MAssets
$3.5MLoans
$3.8MShares
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 4.06%, down 99 bps year over year.
  • Asset quality: problem loans at 6.12% of loans (+359 bps YoY).
  • Funding: loans stand at 91.07% of shares as of Q2 1996.

Financial Results

Return on Assets (YTD, annualized)

4.06%-99 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 1994Q4 1994Q2 1995Q4 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets5.05%3.97%3.31%3.46%4.06%-99 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/an/a4.85%n/an/a
Loan Growth (YoY)n/an/an/an/a-9.88%n/an/a
Share Growth (YoY)n/an/an/an/a7.08%n/an/a
Asset Quality
Delinquent Loans / Loans2.54%1.78%3.83%5.87%6.12%+359 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.79%1.51%2.56%1.92%0.00%-79 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 / Shares108.20%97.07%93.17%81.71%91.07%-1,714 bps
Liquid Assets / Assets0.40%6.16%10.54%20.51%6.89%+649 bps