PackageTrendsPeer
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Minico

Rupert, ID · Charter 82528

Q2 1997

$315KAssets
$237KLoans
$244KShares
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 7.22%, up 27 bps year over year.
  • Asset quality: problem loans at 0.95% of loans (-103 bps YoY).
  • Funding: loans stand at 97.03% of shares as of Q2 1997.

Financial Results

Return on Assets (quarter, annualized)

7.22%+27 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets6.95%6.78%7.27%7.56%7.22%+27 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-3.89%-3.20%6.24%n/a
Loan Growth (YoY)n/an/a7.30%10.07%7.88%n/a
Share Growth (YoY)n/an/a-10.73%-7.31%-0.88%n/a
Asset Quality
Delinquent Loans / Loans1.99%1.67%1.54%0.34%0.95%-103 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.92%3.83%5.00%3.44%3.49%+58 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 / Shares89.15%97.48%89.94%87.27%97.03%+788 bps
Liquid Assets / Assets24.76%20.23%25.43%28.05%22.45%-231 bps