PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

F-M Central School District Employe

Manlius, NY · Charter 12770

Q2 1995

$4.3MAssets
$1.9MLoans
$3.9MShares
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 1.99%.
  • Asset quality: problem loans at 1.16% of loans.
  • Funding: loans stand at 48.23% of shares as of Q2 1995.

Financial Results

Return on Assets (YTD, annualized)

1.99%

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 1995YoY ΔTrend
Earnings
Return on Assets2.65%2.53%1.99%n/a
Return on Equityn/an/an/an/an/a
Net Interest Marginn/an/an/an/an/a
Efficiency Ration/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/an/a
Loan Growth (YoY)n/an/an/an/an/a
Share Growth (YoY)n/an/an/an/an/a
Asset Quality
Delinquent Loans / Loans0.19%0.53%1.16%n/a
Net Charge-Offs / Loansn/an/an/an/an/a
Allowance / Loans0.64%0.50%0.49%n/a
Capital
Risk-Based Capitaln/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/a
Liquidity & Funding
Loans / Shares31.94%45.91%48.23%n/a
Liquid Assets / Assets39.44%27.89%20.42%n/a