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McClellan

North Highlands, CA · Charter 11961

Q1 1996

$144.9MAssets
$95.9MLoans
$126.6MShares
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 4.73%, up 63 bps year over year.
  • Asset quality: problem loans at 0.86% of loans (+26 bps YoY).
  • Funding: loans stand at 75.77% of shares as of Q1 1996.

Financial Results

Return on Assets (YTD, annualized)

4.73%+63 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.

MetricQ1 1995Q2 1995Q3 1995Q4 1995Q1 1996YoY ΔTrend
Earnings
Return on Assets4.10%4.27%4.35%4.48%4.73%+63 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)-2.05%3.92%5.51%8.09%8.50%+1,054 bps
Loan Growth (YoY)14.17%15.62%15.99%13.79%13.53%-64 bps
Share Growth (YoY)1.66%4.12%4.38%7.42%6.87%+521 bps
Asset Quality
Delinquent Loans / Loans0.60%0.59%0.66%0.83%0.86%+26 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.94%0.89%0.86%0.82%0.79%-15 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 / Shares71.33%74.32%75.09%75.60%75.77%+444 bps
Liquid Assets / Assets24.46%20.85%24.14%21.30%15.57%-890 bps