PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Daisy Employees

Rogers, AR · Charter 12819

Q4 1996

$1.8MAssets
$649KLoans
$1.6MShares
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 4.23%, up 90 bps year over year.
  • Asset quality: problem loans at 1.68% of loans (+131 bps YoY).
  • Funding: loans stand at 41.86% of shares as of Q4 1996.

Financial Results

Return on Assets (quarter, annualized)

4.23%+90 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1994Q2 1995Q4 1995Q2 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets3.33%4.78%4.56%4.10%4.23%+90 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/a-5.12%-9.92%n/a
Loan Growth (YoY)n/an/an/a-42.73%-46.21%n/a
Share Growth (YoY)n/an/an/a-6.63%-11.60%n/a
Asset Quality
Delinquent Loans / Loans0.37%0.66%1.02%1.39%1.68%+131 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.58%2.00%2.62%2.67%3.28%+71 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 / Shares68.79%65.49%54.60%43.92%41.86%-2,693 bps
Liquid Assets / Assets38.66%40.37%51.38%58.85%62.93%+2,427 bps