PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Topps Employees

Duryea, PA · Charter 18082

Q4 1996

$3.2MAssets
$1.4MLoans
$2.7MShares
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 5.54%, up 126 bps year over year.
  • Asset quality: problem loans at 5.32% of loans (+308 bps YoY).
  • Funding: loans stand at 52.51% of shares as of Q4 1996.

Financial Results

Return on Assets (quarter, annualized)

5.54%+126 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 Assets4.27%4.19%4.52%3.96%5.54%+126 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/a-1.92%-23.79%n/a
Loan Growth (YoY)n/an/an/a-5.36%-31.59%n/a
Share Growth (YoY)n/an/an/a-3.86%-28.40%n/a
Asset Quality
Delinquent Loans / Loans2.24%4.08%4.30%4.88%5.32%+308 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.95%3.41%3.89%4.34%6.18%+323 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 / Shares54.96%53.07%52.97%50.06%52.51%-245 bps
Liquid Assets / Assets19.74%15.59%39.43%36.42%43.16%+2,341 bps