PackageTrendsPeer
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Ahdawagam

Wisconsin Rapid, WI · Charter 66411

Q2 1997

$17.2MAssets
$15.8MLoans
$14.6MShares
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 4.45%, up 88 bps year over year.
  • Asset quality: problem loans at 1.53% of loans (+132 bps YoY).
  • Funding: loans stand at 108.19% of shares as of Q2 1997.

Financial Results

Return on Assets (quarter, annualized)

4.45%+88 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets3.56%3.69%4.43%4.65%4.45%+88 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/a12.52%14.21%15.59%n/a
Loan Growth (YoY)n/an/a33.54%31.69%17.65%n/a
Share Growth (YoY)n/an/a11.75%12.01%14.52%n/a
Asset Quality
Delinquent Loans / Loans0.21%0.71%1.16%1.05%1.53%+132 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.22%0.21%0.31%0.39%0.45%+23 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 / Shares105.31%106.82%107.96%113.62%108.19%+288 bps
Liquid Assets / Assets3.72%4.09%3.96%1.13%4.97%+125 bps