PackageTrendsPeer
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Hunter Park

Riverside, CA · Charter 10366

Q2 1996

$4.3MAssets
$2.5MLoans
$4.1MShares
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 0.99%, down 238 bps year over year.
  • Asset quality: problem loans at 3.21% of loans (-221 bps YoY).
  • Funding: loans stand at 61.77% of shares as of Q2 1996.

Financial Results

Return on Assets (quarter, annualized)

0.99%-238 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets3.37%3.18%2.34%2.53%0.99%-238 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/an/a-25.87%n/an/a
Loan Growth (YoY)n/an/an/an/a-7.66%n/an/a
Share Growth (YoY)n/an/an/an/a-25.01%n/an/a
Asset Quality
Delinquent Loans / Loans5.42%5.07%4.45%3.95%3.21%-221 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.81%1.46%1.71%1.95%2.43%+62 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 / Shares50.17%51.15%56.94%59.14%61.77%+1,161 bps
Liquid Assets / Assets29.59%27.38%14.50%21.89%37.89%+830 bps