PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Diana Employees

Green Bay, WI · Charter 66793

Q2 1998

$1.1MAssets
$984KLoans
$959KShares
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 3.37%, down 49 bps year over year.
  • Asset quality: problem loans at 0.47% of loans (-218 bps YoY).
  • Funding: loans stand at 102.60% of shares as of Q2 1998.

Financial Results

Return on Assets (YTD, annualized)

3.37%-49 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.

MetricQ2 1996Q4 1996Q2 1997Q4 1997Q2 1998YoY ΔTrend
Earnings
Return on Assets3.87%3.70%4.33%3.57%3.37%-49 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)-0.16%4.16%-0.94%10.10%2.48%+264 bps
Loan Growth (YoY)5.60%-6.90%-10.14%3.78%6.65%+104 bps
Share Growth (YoY)-3.06%-4.28%-4.07%3.87%0.83%+389 bps
Asset Quality
Delinquent Loans / Loans2.65%3.16%0.18%0.05%0.47%-218 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.35%2.31%2.28%2.10%2.20%-15 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 / Shares97.01%102.94%98.51%98.79%102.60%+559 bps
Liquid Assets / Assets10.70%11.40%8.71%12.36%5.81%-489 bps