PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Sunbeam Employees

Acushnet, MA · Charter 16159

Q2 1996

$572KAssets
$241KLoans
$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 1.02%, down 151 bps year over year.
  • Asset quality: problem loans at 2.69% of loans (+85 bps YoY).
  • Funding: loans stand at 49.37% of shares as of Q2 1996.

Financial Results

Return on Assets (YTD, annualized)

1.02%-151 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 Assets2.52%2.30%2.26%1.11%1.02%-151 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-12.00%n/an/a
Loan Growth (YoY)n/an/an/an/a-10.20%n/an/a
Share Growth (YoY)n/an/an/an/a-12.37%n/an/a
Asset Quality
Delinquent Loans / Loans1.84%3.95%4.55%0.51%2.69%+85 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.56%2.44%1.87%0.72%1.64%+8 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 / Shares48.17%56.69%57.48%59.21%49.37%+119 bps
Liquid Assets / Assets51.03%19.96%20.69%22.47%54.02%+299 bps