PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

The Baraboo Valley

Baraboo, WI · Charter 66606

Q4 1995

$298KAssets
$271KLoans
$229KShares
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 1.92%.
  • Asset quality: problem loans at 11.49% of loans.
  • Funding: loans stand at 118.56% of shares as of Q4 1995.

Financial Results

Return on Assets (YTD, annualized)

1.92%

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 1995YoY ΔTrend
Earnings
Return on Assets1.35%2.16%3.01%1.92%n/a
Return on Equityn/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/an/an/a
Loan Growth (YoY)n/an/an/an/an/an/a
Share Growth (YoY)n/an/an/an/an/an/a
Asset Quality
Delinquent Loans / Loans0.28%0.23%0.16%11.49%n/a
Net Charge-Offs / Loansn/an/an/an/an/an/a
Allowance / Loans5.09%3.18%2.78%2.69%n/a
Capital
Risk-Based Capitaln/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares73.60%96.38%101.43%118.56%n/a
Liquid Assets / Assets40.35%17.91%12.62%3.27%n/a