PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Vallejo City Employees

Vallejo, CA · Charter 14514

Q4 1996

$4.8MAssets
$3.6MLoans
$4.2MShares
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 4.34%, up 109 bps year over year.
  • Asset quality: problem loans at 1.22% of loans (-148 bps YoY).
  • Funding: loans stand at 86.48% of shares as of Q4 1996.

Financial Results

Return on Assets (YTD, annualized)

4.34%+109 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 Assets3.25%2.39%1.59%4.44%4.34%+109 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/a1.88%-2.73%n/a
Loan Growth (YoY)n/an/an/a13.04%23.54%n/a
Share Growth (YoY)n/an/an/a3.43%-3.19%n/a
Asset Quality
Delinquent Loans / Loans2.70%1.49%1.10%1.58%1.22%-148 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.19%0.69%2.07%2.11%2.22%+103 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 / Shares67.77%83.36%84.64%77.51%86.48%+1,871 bps
Liquid Assets / Assets38.00%24.43%21.74%30.50%23.75%-1,425 bps