PackageTrendsPeer
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Firefund

Novato, CA · Charter 12708

Q4 1995

$59.6MAssets
$16.0MLoans
$54.9MShares
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 3.78%, down 4 bps year over year.
  • Asset quality: problem loans at 0.19% of loans (-28 bps YoY).
  • Funding: loans stand at 29.06% of shares as of Q4 1995.

Financial Results

Return on Assets (quarter, annualized)

3.78%-4 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1994Q1 1995Q2 1995Q3 1995Q4 1995YoY ΔTrend
Earnings
Return on Assets3.82%3.55%3.53%3.66%3.78%-4 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/a-6.17%-8.44%-5.39%-3.73%n/a
Loan Growth (YoY)n/a3.21%4.73%1.77%6.39%n/a
Share Growth (YoY)n/a-6.81%-9.14%-5.93%-4.49%n/a
Asset Quality
Delinquent Loans / Loans0.47%0.30%0.39%0.36%0.19%-28 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.99%0.97%1.04%0.99%1.02%+3 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 / Shares26.09%26.32%26.94%27.60%29.06%+297 bps
Liquid Assets / Assets35.40%29.46%25.82%23.30%33.18%-222 bps