PackageTrendsPeer
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Covenant Healthcare

Milwaukee, WI · Charter 67236

Q4 1997

$1.3MAssets
$1.1MLoans
$1.1MShares
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 3.19%, down 57 bps year over year.
  • Asset quality: problem loans at 3.52% of loans (+34 bps YoY).
  • Funding: loans stand at 94.38% of shares as of Q4 1997.

Financial Results

Return on Assets (YTD, annualized)

3.19%-57 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 1995Q2 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets3.77%3.90%3.74%3.37%3.19%-57 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/a11.45%6.15%4.05%7.52%n/a
Loan Growth (YoY)n/a4.50%19.24%18.85%-0.14%n/a
Share Growth (YoY)n/a9.43%3.13%0.66%5.28%n/a
Asset Quality
Delinquent Loans / Loans3.18%5.29%2.75%2.41%3.52%+34 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.09%1.08%1.48%0.70%0.79%-30 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 / Shares99.51%92.11%105.86%103.04%94.38%-513 bps
Liquid Assets / Assets9.80%14.80%3.74%7.31%14.82%+502 bps