PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Greensboro Federal Employees

Greensboro, NC · Charter 19359

Q2 1996

$7.5MAssets
$6.0MLoans
$6.9MShares
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 2.10%, down 118 bps year over year.
  • Asset quality: problem loans at 1.44% of loans (+69 bps YoY).
  • Funding: loans stand at 87.16% of shares as of Q2 1996.

Financial Results

Return on Assets (quarter, annualized)

2.10%-118 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets3.28%3.43%3.94%3.73%2.10%-118 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-8.59%n/an/a
Loan Growth (YoY)n/an/an/an/a-0.15%n/an/a
Share Growth (YoY)n/an/an/an/a-8.08%n/an/a
Asset Quality
Delinquent Loans / Loans0.75%1.53%0.83%1.33%1.44%+69 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.64%0.68%0.44%0.50%0.72%+8 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 / Shares80.24%93.17%97.70%91.50%87.16%+692 bps
Liquid Assets / Assets21.85%11.15%5.50%12.77%16.34%-552 bps