PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Morgan County Teachers

Wartburg, TN · Charter 68163

Q4 1997

$349KAssets
$232KLoans
$253KShares
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 1.86%, down 287 bps year over year.
  • Asset quality: problem loans at 3.35% of loans (-418 bps YoY).
  • Funding: loans stand at 91.94% of shares as of Q4 1997.

Financial Results

Return on Assets (YTD, annualized)

1.86%-287 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 Assets4.73%0.69%2.75%2.32%1.86%-287 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/a-10.05%-16.39%-16.40%n/a
Loan Growth (YoY)n/an/a14.32%5.14%-10.31%n/a
Share Growth (YoY)n/an/a-22.60%-23.71%-22.39%n/a
Asset Quality
Delinquent Loans / Loans7.54%2.58%1.54%0.84%3.35%-418 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.24%1.19%1.06%1.35%2.22%+98 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 / Shares79.56%81.65%124.18%99.42%91.94%+1,238 bps
Liquid Assets / Assets21.40%9.08%0.00%1.44%4.43%-1,697 bps