PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

L. P. L.

Superior, WI · Charter 66416

Q2 1996

$3.9MAssets
$2.2MLoans
$3.6MShares
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 5.18%, up 76 bps year over year.
  • Asset quality: problem loans at 0.55% of loans (+52 bps YoY).
  • Funding: loans stand at 60.92% of shares as of Q2 1996.

Financial Results

Return on Assets (YTD, annualized)

5.18%+76 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 Assets4.42%4.22%5.34%5.24%5.18%+76 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/a-5.56%n/an/a
Loan Growth (YoY)n/an/an/an/a22.40%n/an/a
Share Growth (YoY)n/an/an/an/a-7.09%n/an/a
Asset Quality
Delinquent Loans / Loans0.03%0.03%0.00%0.17%0.55%+52 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.28%0.26%0.23%0.23%0.23%-5 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 / Shares46.25%47.17%59.62%59.37%60.92%+1,467 bps
Liquid Assets / Assets38.45%38.95%33.45%38.46%29.13%-932 bps