PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Triangle PWC

Moundsville, WV · Charter 17353

Q2 1996

$485KAssets
$292KLoans
$472KShares
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 5.70%, down 58 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (-5 bps YoY).
  • Funding: loans stand at 61.84% of shares as of Q2 1996.

Financial Results

Return on Assets (YTD, annualized)

5.70%-58 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 Assets6.29%5.89%6.77%-4.69%5.70%-58 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-5.75%n/an/a
Loan Growth (YoY)n/an/an/an/a-14.93%n/an/a
Share Growth (YoY)n/an/an/an/a11.63%n/an/a
Asset Quality
Delinquent Loans / Loans0.05%0.03%0.00%0.84%0.00%-5 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.31%1.41%1.33%20.02%16.85%+1,554 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 / Shares81.15%74.39%71.83%68.55%61.84%-1,931 bps
Liquid Assets / Assets20.81%21.73%28.42%32.12%33.97%+1,317 bps