PackageTrendsPeer
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Chemlake

Houston, TX · Charter 19077

Q4 1996

$10.5MAssets
$7.8MLoans
$9.5MShares
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 4.93%, up 137 bps year over year.
  • Asset quality: problem loans at 0.88% of loans (-136 bps YoY).
  • Funding: loans stand at 81.69% of shares as of Q4 1996.

Financial Results

Return on Assets (quarter, annualized)

4.93%+137 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 Assets3.56%3.62%4.53%4.88%4.93%+137 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/a18.27%17.22%n/a
Loan Growth (YoY)n/an/an/a45.84%48.82%n/a
Share Growth (YoY)n/an/an/a15.33%14.71%n/a
Asset Quality
Delinquent Loans / Loans2.23%0.37%0.70%0.59%0.88%-136 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.50%1.34%1.33%1.43%1.42%-9 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 / Shares62.97%64.94%79.29%75.18%81.69%+1,872 bps
Liquid Assets / Assets23.30%19.25%15.32%3.63%0.00%-2,330 bps