PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Employees of General Electric

Erie, PA · Charter 1161

Q4 1996

$7.3MAssets
$3.8MLoans
$6.1MShares
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 5.06%, down 9 bps year over year.
  • Asset quality: problem loans at 1.19% of loans (+112 bps YoY).
  • Funding: loans stand at 61.72% of shares as of Q4 1996.

Financial Results

Return on Assets (quarter, annualized)

5.06%-9 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1994Q2 1995Q4 1995Q2 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets5.15%4.68%4.82%4.72%5.06%-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-18.98%-12.21%n/a
Loan Growth (YoY)n/an/an/a33.99%22.31%n/a
Share Growth (YoY)n/an/an/a-23.95%-15.72%n/a
Asset Quality
Delinquent Loans / Loans0.07%0.10%0.89%2.79%1.19%+112 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.38%0.70%0.83%0.77%0.95%+57 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 / Shares42.53%52.51%55.93%54.55%61.72%+1,919 bps
Liquid Assets / Assets17.58%35.60%30.42%24.43%28.56%+1,098 bps