PackageTrendsPeer
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Espirito Santo

Fall River, MA · Charter 10325

Q2 1997

$11.8MAssets
$9.0MLoans
$10.7MShares
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 7.08%, up 132 bps year over year.
  • Asset quality: problem loans at 0.21% of loans (-165 bps YoY).
  • Funding: loans stand at 84.05% of shares as of Q2 1997.

Financial Results

Return on Assets (YTD, annualized)

7.08%+132 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.

MetricQ2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets5.77%5.64%7.42%6.84%7.08%+132 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/a42.55%52.22%41.52%n/a
Loan Growth (YoY)n/an/a51.91%52.95%31.14%n/a
Share Growth (YoY)n/an/a39.35%49.32%38.03%n/a
Asset Quality
Delinquent Loans / Loans1.86%1.34%1.17%0.70%0.21%-165 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.98%0.91%0.78%0.70%0.70%-27 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 / Shares88.47%86.91%84.32%83.22%84.05%-441 bps
Liquid Assets / Assets11.17%15.22%16.35%17.19%17.60%+643 bps