PackageTrendsPeer
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Doctors Hospital San Leandro

San Leandro, CA · Charter 15870

Q4 1996

$560KAssets
$275KLoans
$489KShares
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 0.81%, down 133 bps year over year.
  • Asset quality: problem loans at 4.43% of loans (+398 bps YoY).
  • Funding: loans stand at 56.27% of shares as of Q4 1996.

Financial Results

Return on Assets (YTD, annualized)

0.81%-133 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 Assets2.14%2.05%1.37%0.41%0.81%-133 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/a-10.89%-19.80%n/a
Loan Growth (YoY)n/an/an/a-24.87%-31.18%n/a
Share Growth (YoY)n/an/an/a-11.94%-25.00%n/a
Asset Quality
Delinquent Loans / Loans0.45%5.27%6.73%1.92%4.43%+398 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.57%2.10%2.49%2.18%2.39%+83 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 / Shares61.31%55.99%53.57%53.09%56.27%-505 bps
Liquid Assets / Assets24.70%41.11%42.86%40.04%39.93%+1,523 bps