PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Guam

Bensalem, PA · Charter 12866

Q2 1997

$158KAssets
$46KLoans
$100KShares
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 3.32%, up 23 bps year over year.
  • Asset quality: problem loans at 10.90% of loans (+990 bps YoY).
  • Funding: loans stand at 46.30% of shares as of Q2 1997.

Financial Results

Return on Assets (quarter, annualized)

3.32%+23 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets3.09%4.34%4.62%-0.56%3.32%+23 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/a3.96%-17.50%-22.43%n/a
Loan Growth (YoY)n/an/a-25.07%-38.14%-56.87%n/a
Share Growth (YoY)n/an/a-0.38%-25.64%-32.25%n/a
Asset Quality
Delinquent Loans / Loans0.99%17.93%7.59%10.23%10.90%+990 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.21%0.42%0.55%9.18%1.94%+173 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 / Shares72.73%76.01%58.97%56.06%46.30%-2,643 bps
Liquid Assets / Assets33.12%35.29%33.09%54.96%51.85%+1,873 bps