PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Abcon

Valley Forge, PA · Charter 20059

Q2 1996

$5.1MAssets
$3.7MLoans
$4.9MShares
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 3.46%, up 55 bps year over year.
  • Asset quality: problem loans at 0.59% of loans (+31 bps YoY).
  • Funding: loans stand at 75.63% of shares as of Q2 1996.

Financial Results

Return on Assets (YTD, annualized)

3.46%+55 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 Assets2.90%2.87%3.05%3.18%3.46%+55 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/a8.52%n/an/a
Loan Growth (YoY)n/an/an/an/a26.13%n/an/a
Share Growth (YoY)n/an/an/an/a8.01%n/an/a
Asset Quality
Delinquent Loans / Loans0.28%0.44%1.21%0.88%0.59%+31 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.38%1.22%0.96%0.61%0.77%-61 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 / Shares64.76%74.32%85.63%83.59%75.63%+1,087 bps
Liquid Assets / Assets21.14%21.31%12.95%17.58%24.28%+314 bps