PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Dow-Fresno

Fresno, CA · Charter 16565

Q4 1996

$1.1MAssets
$1.0MLoans
$912KShares
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 5.27%, down 41 bps year over year.
  • Asset quality: problem loans at 3.34% of loans (+293 bps YoY).
  • Funding: loans stand at 110.21% of shares as of Q4 1996.

Financial Results

Return on Assets (quarter, annualized)

5.27%-41 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1994Q2 1995Q4 1995Q2 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets5.68%4.87%5.56%4.49%5.27%-41 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/a4.11%-12.50%n/a
Loan Growth (YoY)n/an/an/a17.87%-6.64%n/a
Share Growth (YoY)n/an/an/a3.35%-15.53%n/a
Asset Quality
Delinquent Loans / Loans0.41%0.54%1.92%0.04%3.34%+293 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.49%1.92%1.45%2.50%4.47%+298 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 / Shares99.71%83.74%97.04%100.70%110.21%+1,050 bps
Liquid Assets / Assets9.21%23.18%12.09%8.87%5.25%-396 bps