PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

MC Court Label

Bradford, PA · Charter 1183

Q2 1996

$819KAssets
$634KLoans
$734KShares
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 5.21%, up 19 bps year over year.
  • Asset quality: problem loans at 0.98% of loans (+68 bps YoY).
  • Funding: loans stand at 86.41% of shares as of Q2 1996.

Financial Results

Return on Assets (YTD, annualized)

5.21%+19 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 1994Q4 1994Q2 1995Q4 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets5.02%4.60%4.63%4.92%5.21%+19 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/a20.89%n/an/a
Loan Growth (YoY)n/an/an/an/a60.52%n/an/a
Share Growth (YoY)n/an/an/an/a25.43%n/an/a
Asset Quality
Delinquent Loans / Loans0.29%0.74%0.00%1.11%0.98%+68 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.07%0.06%0.04%0.12%0.23%+16 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 / Shares67.52%83.69%83.57%83.94%86.41%+1,889 bps
Liquid Assets / Assets32.05%24.88%18.58%23.14%20.65%-1,139 bps