PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Arandell-Schmidt Employees

Menomonee Falls, WI · Charter 66446

Q4 1997

$796KAssets
$650KLoans
$702KShares
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 3.63%, down 16 bps year over year.
  • Asset quality: problem loans at 1.60% of loans (+160 bps YoY).
  • Funding: loans stand at 92.63% of shares as of Q4 1997.

Financial Results

Return on Assets (YTD, annualized)

3.63%-16 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.

MetricQ4 1995Q2 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets3.79%3.50%3.85%2.99%3.63%-16 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/a43.24%46.49%8.41%-7.81%n/a
Loan Growth (YoY)n/a57.85%9.71%7.96%-4.16%n/a
Share Growth (YoY)n/a44.38%48.30%6.87%-10.13%n/a
Asset Quality
Delinquent Loans / Loans0.00%0.79%1.99%1.62%1.60%+160 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.42%0.44%0.22%0.53%0.66%+24 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 / Shares86.87%86.01%76.49%90.41%92.63%+577 bps
Liquid Assets / Assets19.94%19.92%29.05%11.62%8.35%-1,159 bps