PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Badger Northland Employees

Kaukauna, WI · Charter 66873

Q4 1996

$426KAssets
$262KLoans
$301KShares
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 2.76%, down 56 bps year over year.
  • Asset quality: problem loans at 12.81% of loans (+816 bps YoY).
  • Funding: loans stand at 87.08% of shares as of Q4 1996.

Financial Results

Return on Assets (YTD, annualized)

2.76%-56 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 1994Q2 1995Q4 1995Q2 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets3.32%2.47%2.92%2.38%2.76%-56 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/a-18.23%-25.80%n/a
Loan Growth (YoY)n/an/an/a-0.62%-4.33%n/a
Share Growth (YoY)n/an/an/a-23.95%-33.48%n/a
Asset Quality
Delinquent Loans / Loans4.66%1.50%3.07%12.05%12.81%+816 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.63%3.31%3.23%3.43%3.23%-41 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 / Shares60.54%71.49%76.94%78.43%87.08%+2,653 bps
Liquid Assets / Assets51.30%40.93%42.31%40.25%36.99%-1,431 bps