PackageTrendsPeer
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FCM

Milwaukee, WI · Charter 67169

Q4 1998

$3.0MAssets
$2.0MLoans
$2.6MShares
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 0.78%, down 256 bps year over year.
  • Asset quality: problem loans at 1.79% of loans (-348 bps YoY).
  • Funding: loans stand at 77.28% of shares as of Q4 1998.

Financial Results

Return on Assets (quarter, annualized)

0.78%-256 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1996Q2 1997Q4 1997Q2 1998Q4 1998YoY ΔTrend
Earnings
Return on Assets3.34%3.01%3.35%2.88%0.78%-256 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)3.80%2.60%4.87%9.70%1.61%-219 bps
Loan Growth (YoY)13.48%11.74%7.76%11.63%3.12%-1,036 bps
Share Growth (YoY)1.71%-0.98%3.11%8.11%2.42%+71 bps
Asset Quality
Delinquent Loans / Loans5.27%3.62%5.54%3.76%1.79%-348 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.93%1.96%1.65%1.20%2.65%+71 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 / Shares76.75%76.37%81.58%74.67%77.28%+52 bps
Liquid Assets / Assets28.36%30.11%25.58%29.82%23.23%-513 bps