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Dairymen's

Junction City, WI · Charter 66688

Q2 1996

$172KAssets
$144KLoans
$141KShares
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 2.57%, up 68 bps year over year.
  • Asset quality: problem loans at 8.71% of loans (+871 bps YoY).
  • Funding: loans stand at 102.77% of shares as of Q2 1996.

Financial Results

Return on Assets (quarter, annualized)

2.57%+68 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 Assets1.89%2.06%1.82%-1.30%2.57%+68 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-23.29%n/an/a
Loan Growth (YoY)n/an/an/an/a13.55%n/an/a
Share Growth (YoY)n/an/an/an/a-24.98%n/an/a
Asset Quality
Delinquent Loans / Loans0.00%7.41%6.45%8.96%8.71%+871 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.79%0.92%1.52%1.70%2.20%+141 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 / Shares67.90%83.95%78.63%107.80%102.77%+3,487 bps
Liquid Assets / Assets42.44%28.21%33.11%9.91%12.24%-3,020 bps