PackageTrendsPeer
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Syntex Employees

Palo Alto, CA · Charter 17493

Q4 1996

$27.8MAssets
$15.7MLoans
$23.8MShares
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 4.55%, up 56 bps year over year.
  • Asset quality: problem loans at 0.07% of loans (-10 bps YoY).
  • Funding: loans stand at 66.02% of shares as of Q4 1996.

Financial Results

Return on Assets (quarter, annualized)

4.55%+56 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 Assets4.00%4.28%4.51%4.46%4.55%+56 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/a1.68%-0.97%n/a
Loan Growth (YoY)n/an/an/a10.44%2.38%n/a
Share Growth (YoY)n/an/an/a-1.43%-3.19%n/a
Asset Quality
Delinquent Loans / Loans0.16%0.03%0.14%0.31%0.07%-10 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.80%0.94%1.14%1.25%0.99%+18 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 / Shares62.43%64.80%64.65%63.69%66.02%+359 bps
Liquid Assets / Assets31.34%33.40%30.30%26.59%29.83%-151 bps