PackageTrendsPeer
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Minutemen

Tacoma, WA · Charter 89219

Q4 1996

$6.9MAssets
$5.5MLoans
$6.3MShares
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 4.48%, up 20 bps year over year.
  • Asset quality: problem loans at 0.21% of loans (-67 bps YoY).
  • Funding: loans stand at 88.57% of shares as of Q4 1996.

Financial Results

Return on Assets (YTD, annualized)

4.48%+20 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 1994Q2 1995Q4 1995Q2 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets4.28%4.15%4.48%4.43%4.48%+20 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/a-4.14%-3.30%n/a
Loan Growth (YoY)n/an/an/a29.39%29.87%n/a
Share Growth (YoY)n/an/an/a-4.28%-3.85%n/a
Asset Quality
Delinquent Loans / Loans0.88%0.97%1.36%0.81%0.21%-67 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.91%0.71%+71 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 / Shares65.58%74.55%83.25%82.75%88.57%+2,300 bps
Liquid Assets / Assets24.77%17.19%14.95%11.56%9.77%-1,500 bps