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M & M

Beaver Dam, WI · Charter 66754

Q4 1997

$344KAssets
$243KLoans
$298KShares
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 0.44%, down 328 bps year over year.
  • Asset quality: problem loans at 0.93% of loans (-501 bps YoY).
  • Funding: loans stand at 81.31% of shares as of Q4 1997.

Financial Results

Return on Assets (quarter, annualized)

0.44%-328 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1995Q2 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets3.71%2.63%1.01%2.50%0.44%-328 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-25.42%-23.33%-28.48%-22.86%n/a
Loan Growth (YoY)n/a-34.37%-37.71%-39.56%-32.71%n/a
Share Growth (YoY)n/a-29.40%-26.38%-29.29%-20.88%n/a
Asset Quality
Delinquent Loans / Loans5.94%7.35%6.60%22.55%0.93%-501 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.19%2.38%0.15%1.85%1.61%-158 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 / Shares95.59%83.67%84.92%92.02%81.31%-1,429 bps
Liquid Assets / Assets15.72%24.32%23.24%14.09%25.09%+937 bps