PackageTrendsPeer
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B. C. C. - Lagrande

La Grande, OR · Charter 20079

Q4 1995

$702KAssets
$462KLoans
$542KShares
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 3.58%.
  • Asset quality: problem loans at 1.58% of loans.
  • Funding: loans stand at 85.14% of shares as of Q4 1995.

Financial Results

Return on Assets (YTD, annualized)

3.58%

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 1995YoY ΔTrend
Earnings
Return on Assets4.32%3.63%4.75%3.58%n/a
Return on Equityn/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/an/an/a
Loan Growth (YoY)n/an/an/an/an/an/a
Share Growth (YoY)n/an/an/an/an/an/a
Asset Quality
Delinquent Loans / Loans2.32%2.58%3.59%1.58%n/a
Net Charge-Offs / Loansn/an/an/an/an/an/a
Allowance / Loans0.52%0.39%0.38%1.07%n/a
Capital
Risk-Based Capitaln/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares96.76%114.72%115.81%85.14%n/a
Liquid Assets / Assets17.77%4.33%3.63%19.39%n/a