PackageTrendsPeer
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Wildupco

Wilmington, DE · Charter 14335

Q2 1996

$6.5MAssets
$4.7MLoans
$6.4MShares
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 3.21%, up 292 bps year over year.
  • Asset quality: problem loans at 0.84% of loans (-469 bps YoY).
  • Funding: loans stand at 74.31% of shares as of Q2 1996.

Financial Results

Return on Assets (YTD, annualized)

3.21%+292 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 Assets0.30%1.04%3.48%3.55%3.21%+292 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-16.18%n/an/a
Loan Growth (YoY)n/an/an/an/a-10.85%n/an/a
Share Growth (YoY)n/an/an/an/a-14.34%n/an/a
Asset Quality
Delinquent Loans / Loans5.53%4.77%3.63%5.65%0.84%-469 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.57%3.94%4.08%2.93%3.29%-27 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 / Shares71.41%92.51%82.88%86.22%74.31%+290 bps
Liquid Assets / Assets19.87%4.92%10.65%9.27%9.64%-1,023 bps