PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

W C F and M Employees

Bellaire, OH · Charter 17016

Q2 1995

$25KAssets
$25KLoans
$18KShares
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 9.83%.
  • Asset quality: problem loans at 16.75% of loans.
  • Funding: loans stand at 135.13% of shares as of Q2 1995.

Financial Results

Return on Assets (quarter, annualized)

9.83%

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1994Q4 1994Q2 1995YoY ΔTrend
Earnings
Return on Assets7.89%3.88%9.83%n/a
Return on Equityn/an/an/an/an/a
Net Interest Marginn/an/an/an/an/a
Efficiency Ration/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/an/a
Loan Growth (YoY)n/an/an/an/an/a
Share Growth (YoY)n/an/an/an/an/a
Asset Quality
Delinquent Loans / Loans16.18%19.99%16.75%n/a
Net Charge-Offs / Loansn/an/an/an/an/a
Allowance / Loans7.63%10.89%10.88%n/a
Capital
Risk-Based Capitaln/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/a
Liquidity & Funding
Loans / Shares102.85%110.85%135.13%n/a
Liquid Assets / Assets11.26%12.60%14.81%n/a