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F M C Princeton

Princeton, NJ · Charter 14524

Q2 1996

$719KAssets
$623KLoans
$644KShares
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 3.93%, down 22 bps year over year.
  • Asset quality: problem loans at 0.45% of loans (-82 bps YoY).
  • Funding: loans stand at 96.81% of shares as of Q2 1996.

Financial Results

Return on Assets (quarter, annualized)

3.93%-22 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 Assets4.15%4.17%4.15%2.93%3.93%-22 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-6.56%n/an/a
Loan Growth (YoY)n/an/an/an/a14.36%n/an/a
Share Growth (YoY)n/an/an/an/a-7.61%n/an/a
Asset Quality
Delinquent Loans / Loans1.27%5.89%1.27%0.45%0.45%-82 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.58%0.81%0.58%2.29%2.29%+171 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 / Shares78.21%88.08%78.21%96.81%96.81%+1,859 bps
Liquid Assets / Assets12.50%7.93%12.50%4.85%8.17%-432 bps