PackageTrendsPeer
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Perfex

Milwaukee, WI · Charter 67205

Q2 1996

$926KAssets
$546KLoans
$776KShares
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 2.85%, down 38 bps year over year.
  • Asset quality: problem loans at 3.86% of loans (+74 bps YoY).
  • Funding: loans stand at 70.30% of shares as of Q2 1996.

Financial Results

Return on Assets (YTD, annualized)

2.85%-38 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 1994Q4 1994Q2 1995Q4 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets3.23%3.54%3.09%3.25%2.85%-38 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-23.35%n/an/a
Loan Growth (YoY)n/an/an/an/a-10.84%n/an/a
Share Growth (YoY)n/an/an/an/a-27.19%n/an/a
Asset Quality
Delinquent Loans / Loans3.12%3.42%1.27%2.11%3.86%+74 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.41%2.46%1.63%1.59%1.84%-57 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 / Shares57.41%60.50%67.15%73.48%70.30%+1,289 bps
Liquid Assets / Assets0.00%20.51%31.76%25.02%10.80%+1,080 bps