PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

The Ryobi Anderson

Anderson, SC · Charter 13725

Q2 1996

$957KAssets
$739KLoans
$752KShares
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 4.95%, up 177 bps year over year.
  • Asset quality: problem loans at 0.78% of loans (+22 bps YoY).
  • Funding: loans stand at 98.29% of shares as of Q2 1996.

Financial Results

Return on Assets (YTD, annualized)

4.95%+177 bps YoY

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 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets3.18%4.01%3.13%4.31%4.95%+177 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/an/a3.28%n/an/a
Loan Growth (YoY)n/an/an/an/a28.96%n/an/a
Share Growth (YoY)n/an/an/an/a0.23%n/an/a
Asset Quality
Delinquent Loans / Loans0.56%0.68%0.00%0.00%0.78%+22 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.83%0.95%0.52%0.69%0.69%-14 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 / Shares76.39%91.58%102.94%127.98%98.29%+2,190 bps
Liquid Assets / Assets35.14%19.75%14.60%3.90%25.11%-1,003 bps