PackageTrendsPeer
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H R F

Youngstown, OH · Charter 14179

Q2 1996

$382KAssets
$212KLoans
$319KShares
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 0.03%, down 278 bps year over year.
  • Asset quality: problem loans at 3.09% of loans (+73 bps YoY).
  • Funding: loans stand at 66.44% of shares as of Q2 1996.

Financial Results

Return on Assets (quarter, annualized)

0.03%-278 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets2.81%2.82%3.53%3.35%0.03%-278 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/a-34.52%n/an/a
Loan Growth (YoY)n/an/an/an/a-49.52%n/an/a
Share Growth (YoY)n/an/an/an/a-38.57%n/an/a
Asset Quality
Delinquent Loans / Loans2.37%2.02%2.19%2.64%3.09%+73 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.27%1.14%1.55%2.17%2.36%+109 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 / Shares80.86%98.67%103.91%90.02%66.44%-1,442 bps
Liquid Assets / Assets19.54%13.07%8.44%4.55%24.83%+528 bps