PackageTrendsPeer
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Energy Family

Milwaukee, WI · Charter 66669

Q4 1997

$7.6MAssets
$6.0MLoans
$7.0MShares
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 4.47%, up 34 bps year over year.
  • Asset quality: problem loans at 1.69% of loans (+20 bps YoY).
  • Funding: loans stand at 86.38% of shares as of Q4 1997.

Financial Results

Return on Assets (YTD, annualized)

4.47%+34 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 Assets4.13%3.77%5.24%4.11%4.47%+34 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/a-12.35%-8.89%-19.48%-19.44%n/a
Loan Growth (YoY)n/a-0.66%-22.85%-28.67%-9.70%n/a
Share Growth (YoY)n/a0.29%-5.30%-20.63%-20.84%n/a
Asset Quality
Delinquent Loans / Loans1.50%3.57%2.14%2.02%1.69%+20 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.46%0.82%0.86%1.15%0.86%+40 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 / Shares75.72%74.72%66.09%68.49%86.38%+1,065 bps
Liquid Assets / Assets14.81%17.22%16.15%9.08%9.06%-575 bps