PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Concrete

Charlotte, NC · Charter 12792

Q4 1995

$1.5MAssets
$482KLoans
$1.3MShares
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 6.15%.
  • Asset quality: problem loans at 0.00% of loans.
  • Funding: loans stand at 37.50% of shares as of Q4 1995.

Financial Results

Return on Assets (YTD, annualized)

6.15%

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 1995YoY ΔTrend
Earnings
Return on Assets4.37%4.58%6.03%6.15%n/a
Return on Equityn/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/an/an/a
Loan Growth (YoY)n/an/an/an/an/an/a
Share Growth (YoY)n/an/an/an/an/an/a
Asset Quality
Delinquent Loans / Loans0.17%0.22%0.00%0.00%n/a
Net Charge-Offs / Loansn/an/an/an/an/an/a
Allowance / Loans1.14%0.36%0.50%0.71%n/a
Capital
Risk-Based Capitaln/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares28.98%26.58%38.63%37.50%n/a
Liquid Assets / Assets71.15%73.06%64.44%64.80%n/a