PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

National School District Employees

National City, CA · Charter 13786

Q4 1996

$2.7MAssets
$1.4MLoans
$2.2MShares
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 4.16%, up 10 bps year over year.
  • Asset quality: problem loans at 0.14% of loans (-191 bps YoY).
  • Funding: loans stand at 63.07% of shares as of Q4 1996.

Financial Results

Return on Assets (YTD, annualized)

4.16%+10 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.

MetricQ4 1994Q2 1995Q4 1995Q2 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets4.06%4.35%4.52%4.03%4.16%+10 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-2.34%-3.01%n/a
Loan Growth (YoY)n/an/an/a-20.25%-24.63%n/a
Share Growth (YoY)n/an/an/a-6.53%-7.29%n/a
Asset Quality
Delinquent Loans / Loans2.05%1.82%1.67%0.30%0.14%-191 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.66%1.56%1.04%0.48%0.51%-115 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 / Shares77.58%72.81%70.61%59.75%63.07%-1,452 bps
Liquid Assets / Assets32.55%34.47%38.99%48.44%48.22%+1,566 bps