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King Midas

Superior, WI · Charter 66619

Q2 1996

$131KAssets
$76KLoans
$88KShares
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 -7.53%, down 1,215 bps year over year.
  • Asset quality: problem loans at 15.17% of loans (+1,517 bps YoY).
  • Funding: loans stand at 86.25% of shares as of Q2 1996.

Financial Results

Return on Assets (quarter, annualized)

-7.53%-1,215 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets4.61%3.17%1.76%1.63%-7.53%-1,215 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-22.34%n/an/a
Loan Growth (YoY)n/an/an/an/a-18.62%n/an/a
Share Growth (YoY)n/an/an/an/a-25.17%n/an/a
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%13.78%15.17%+1,517 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.55%1.67%2.03%1.85%1.91%+36 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 / Shares79.30%76.14%63.38%79.15%86.25%+695 bps
Liquid Assets / Assets42.05%44.02%49.04%44.70%39.74%-232 bps