PackageTrendsPeer
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Epi

Carlsbad, NM · Charter 10275

Q4 1996

$848KAssets
$717KLoans
$661KShares
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 4.03%, down 9 bps year over year.
  • Asset quality: problem loans at 2.58% of loans (-550 bps YoY).
  • Funding: loans stand at 108.43% of shares as of Q4 1996.

Financial Results

Return on Assets (YTD, annualized)

4.03%-9 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 Assets4.12%-3.99%0.24%3.32%4.03%-9 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-30.83%-16.12%n/a
Loan Growth (YoY)n/an/an/a-37.28%-26.90%n/a
Share Growth (YoY)n/an/an/a-34.70%-15.31%n/a
Asset Quality
Delinquent Loans / Loans8.08%0.79%5.08%4.36%2.58%-550 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.22%3.07%1.59%2.75%2.63%+42 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 / Shares125.62%119.75%106.71%97.13%108.43%-1,719 bps
Liquid Assets / Assets0.88%3.38%12.21%20.99%11.77%+1,089 bps