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Abby

Abbotsford, WI · Charter 66494

Q4 1996

$174KAssets
$56KLoans
$153KShares
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 1.62%, up 25 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (-1,460 bps YoY).
  • Funding: loans stand at 36.44% of shares as of Q4 1996.

Financial Results

Return on Assets (quarter, annualized)

1.62%+25 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1994Q2 1995Q4 1995Q2 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets1.36%3.31%1.16%1.94%1.62%+25 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/a-1.34%-6.12%n/a
Loan Growth (YoY)n/an/an/a-9.83%-32.47%n/a
Share Growth (YoY)n/an/an/a-2.89%4.01%n/a
Asset Quality
Delinquent Loans / Loans14.60%12.65%9.02%0.00%0.00%-1,460 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.12%2.10%3.88%2.10%2.65%+52 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 / Shares56.12%58.09%66.18%49.52%36.44%-1,968 bps
Liquid Assets / Assets51.68%49.64%45.54%57.72%63.91%+1,223 bps