PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Magic Valley Teachers

Twin Falls, ID · Charter 82526

Q2 1999

$422KAssets
$390KLoans
$375KShares
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 1.85%, down 252 bps year over year.
  • Asset quality: problem loans at 12.10% of loans (+1,210 bps YoY).
  • Funding: loans stand at 104.07% of shares as of Q2 1999.

Financial Results

Return on Assets (quarter, annualized)

1.85%-252 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets4.37%4.36%3.07%2.58%1.85%-252 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)-3.46%2.77%1.86%11.22%-6.25%-278 bps
Loan Growth (YoY)11.32%24.27%-21.77%13.91%-6.21%-1,753 bps
Share Growth (YoY)-5.93%0.66%1.36%-1.62%-5.08%+85 bps
Asset Quality
Delinquent Loans / Loans0.00%0.29%1.01%4.70%12.10%+1,210 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.56%1.75%2.16%1.55%1.85%+29 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 / Shares105.32%94.21%83.26%121.72%104.07%-125 bps
Liquid Assets / Assets6.48%16.89%25.28%4.25%0.00%-648 bps