PackageTrendsPeer
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Wasiota

Madison, TN · Charter 68099

Q2 1996

$1.6MAssets
$1.3MLoans
$1.5MShares
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 5.11%, up 276 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (-33 bps YoY).
  • Funding: loans stand at 88.52% of shares as of Q2 1996.

Financial Results

Return on Assets (YTD, annualized)

5.11%+276 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 Assets2.35%2.96%4.11%4.35%5.11%+276 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/a25.80%n/an/a
Loan Growth (YoY)n/an/an/an/a33.95%n/an/a
Share Growth (YoY)n/an/an/an/a22.89%n/an/a
Asset Quality
Delinquent Loans / Loans0.33%1.04%0.52%0.09%0.00%-33 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.99%0.24%0.27%0.34%0.30%-69 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 / Shares81.22%88.09%89.98%94.56%88.52%+731 bps
Liquid Assets / Assets21.02%3.96%0.00%0.00%14.05%-697 bps