PackageTrendsPeer
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Volga

Volga, SD · Charter 17631

Q2 1996

$1.4MAssets
$1.5MLoans
$1.4MShares
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 -29.22%, down 3,484 bps year over year.
  • Asset quality: problem loans at 10.19% of loans (+634 bps YoY).
  • Funding: loans stand at 108.16% of shares as of Q2 1996.

Financial Results

Return on Assets (YTD, annualized)

-29.22%-3,484 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 Assets5.62%5.27%5.01%5.22%-29.22%-3,484 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/a7.94%n/an/a
Loan Growth (YoY)n/an/an/an/a26.01%n/an/a
Share Growth (YoY)n/an/an/an/a30.02%n/an/a
Asset Quality
Delinquent Loans / Loans3.85%3.85%4.64%5.09%10.19%+634 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.20%0.94%1.30%1.49%17.16%+1,596 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 / Shares111.60%101.58%106.72%112.01%108.16%-344 bps
Liquid Assets / Assets0.00%0.00%0.02%0.80%0.00%0 bps