PackageTrendsPeer
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Triangle Wire & Cable

Pawtucket, RI · Charter 15981

Q4 1996

$275KAssets
$259KLoans
$273KShares
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 -6.51%, down 905 bps year over year.
  • Asset quality: problem loans at 23.27% of loans (+1,998 bps YoY).
  • Funding: loans stand at 94.79% of shares as of Q4 1996.

Financial Results

Return on Assets (YTD, annualized)

-6.51%-905 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 Assets2.53%2.19%3.00%2.98%-6.51%-905 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/a6.04%-42.24%n/a
Loan Growth (YoY)n/an/an/a16.14%-27.45%n/a
Share Growth (YoY)n/an/an/a6.78%-38.31%n/a
Asset Quality
Delinquent Loans / Loans3.29%1.78%4.58%7.04%23.27%+1,998 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.69%1.80%2.49%2.50%9.86%+817 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 / Shares80.61%65.12%54.78%55.03%94.79%+1,419 bps
Liquid Assets / Assets24.29%38.04%26.25%47.91%10.67%-1,363 bps