PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Howard County Employees

Ellicott City, MD · Charter 20135

Q2 1996

$2.1MAssets
$989KLoans
$2.0MShares
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 0.69%, down 392 bps year over year.
  • Asset quality: problem loans at 5.05% of loans (+270 bps YoY).
  • Funding: loans stand at 50.65% of shares as of Q2 1996.

Financial Results

Return on Assets (YTD, annualized)

0.69%-392 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 Assets4.62%4.90%4.35%4.15%0.69%-392 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/a6.93%n/an/a
Loan Growth (YoY)n/an/an/an/a9.58%n/an/a
Share Growth (YoY)n/an/an/an/a6.11%n/an/a
Asset Quality
Delinquent Loans / Loans2.35%1.81%0.51%3.10%5.05%+270 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.92%2.42%1.68%3.21%3.07%+115 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 / Shares49.04%59.20%49.56%60.96%50.65%+160 bps
Liquid Assets / Assets33.96%24.75%33.31%42.25%49.09%+1,513 bps