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Minidoka County Teachers Assoc. CU

Rupert, ID · Charter 82529

Q2 1997

$342KAssets
$275KLoans
$314KShares
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 3.20%, down 67 bps year over year.
  • Asset quality: problem loans at 1.11% of loans (-149 bps YoY).
  • Funding: loans stand at 87.54% of shares as of Q2 1997.

Financial Results

Return on Assets (quarter, annualized)

3.20%-67 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 Assets3.86%4.33%3.62%3.13%3.20%-67 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-3.32%3.62%4.81%n/a
Loan Growth (YoY)n/an/a33.51%51.63%36.40%n/a
Share Growth (YoY)n/an/a-5.36%2.30%3.03%n/a
Asset Quality
Delinquent Loans / Loans2.60%3.33%3.19%2.57%1.11%-149 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.39%0.82%0.65%1.10%0.70%-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 / Shares66.12%73.74%77.29%83.21%87.54%+2,142 bps
Liquid Assets / Assets37.43%30.58%27.96%21.78%18.54%-1,889 bps