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Marathon Ashland Division

Ashland, WI · Charter 66577

Q2 1998

$3.3MAssets
$1.1MLoans
$2.8MShares
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 3.91%, down 54 bps year over year.
  • Asset quality: problem loans at 4.18% of loans (+256 bps YoY).
  • Funding: loans stand at 40.36% of shares as of Q2 1998.

Financial Results

Return on Assets (quarter, annualized)

3.91%-54 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1996Q4 1996Q2 1997Q4 1997Q2 1998YoY ΔTrend
Earnings
Return on Assets4.45%4.54%5.11%4.82%3.91%-54 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)6.01%9.49%13.23%10.96%14.23%+821 bps
Loan Growth (YoY)26.29%28.63%21.29%16.44%-18.47%-4,476 bps
Share Growth (YoY)7.13%11.22%15.75%12.80%16.85%+972 bps
Asset Quality
Delinquent Loans / Loans1.62%0.53%0.74%0.66%4.18%+256 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.29%0.27%0.17%0.24%0.46%+17 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 / Shares57.84%61.53%66.77%66.51%40.36%-1,748 bps
Liquid Assets / Assets18.66%18.86%28.83%43.51%63.24%+4,457 bps