PackageTrendsPeer
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Heartland Credit Union

Winfield, KS · Charter 67784

Q2 1996

$470KAssets
$313KLoans
$371KShares
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 2.08%, down 250 bps year over year.
  • Asset quality: problem loans at 10.39% of loans (+770 bps YoY).
  • Funding: loans stand at 84.31% of shares as of Q2 1996.

Financial Results

Return on Assets (quarter, annualized)

2.08%-250 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets4.58%4.76%4.82%5.23%2.08%-250 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-15.05%n/an/a
Loan Growth (YoY)n/an/an/an/a-17.18%n/an/a
Share Growth (YoY)n/an/an/an/a-20.06%n/an/a
Asset Quality
Delinquent Loans / Loans2.69%2.72%1.35%4.40%10.39%+770 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.07%1.93%0.96%2.38%2.57%+50 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 / Shares81.39%86.99%91.94%76.80%84.31%+293 bps
Liquid Assets / Assets27.38%25.67%19.84%26.16%30.43%+305 bps