PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Gamco Employees

Henderson, KY · Charter 15342

Q2 1996

$946KAssets
$601KLoans
$784KShares
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 5.28%, up 65 bps year over year.
  • Asset quality: problem loans at 0.72% of loans (+72 bps YoY).
  • Funding: loans stand at 76.64% of shares as of Q2 1996.

Financial Results

Return on Assets (YTD, annualized)

5.28%+65 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 Assets4.63%4.67%6.00%5.79%5.28%+65 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-2.88%n/an/a
Loan Growth (YoY)n/an/an/an/a13.59%n/an/a
Share Growth (YoY)n/an/an/an/a-6.76%n/an/a
Asset Quality
Delinquent Loans / Loans0.00%0.08%0.07%0.44%0.72%+72 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.67%0.22%0.28%1.01%0.62%-4 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 / Shares62.91%93.30%95.17%96.09%76.64%+1,373 bps
Liquid Assets / Assets44.09%16.29%17.58%18.31%30.15%-1,394 bps