PackageTrendsPeer
Letter portraitLegal landscape

Employees of Spreckeles Factory #2

Manteca, CA · Charter 13586

Q4 1995

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 1995, the quarter ended December 31, 1995, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Employees of Spreckeles Factory #2

Manteca, CA · Charter 13586

Q4 1995

$443KAssets
$321KLoans
$349KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 4.00%.
  • Asset quality: problem loans at 11.97% of loans.
  • Funding: loans stand at 92.09% of shares as of Q4 1995.

Return on Assets (YTD, annualized)

4.00%

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1994Q4 1994Q2 1995Q4 1995YoY ΔTrend
Earnings
Return on Assets4.27%4.47%3.79%4.00%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 / Loans10.34%9.09%7.40%11.97%n/a
Net Charge-Offs / Loansn/an/an/an/an/an/a
Allowance / Loans0.84%0.96%1.03%0.14%n/a
Capital
Risk-Based Capitaln/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares82.05%71.19%75.45%92.09%n/a
Liquid Assets / Assets0.06%40.13%30.77%24.71%n/a