PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

L.C.H. Employees

Lorain, OH · Charter 20261

Q2 1995

$3.5MAssets
$2.8MLoans
$3.3MShares
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 4.23%.
  • Asset quality: problem loans at 4.97% of loans.
  • Funding: loans stand at 86.29% of shares as of Q2 1995.

Financial Results

Return on Assets (YTD, annualized)

4.23%

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 1995YoY ΔTrend
Earnings
Return on Assets3.56%3.39%4.23%n/a
Return on Equityn/an/an/an/an/a
Net Interest Marginn/an/an/an/an/a
Efficiency Ration/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/an/a
Loan Growth (YoY)n/an/an/an/an/a
Share Growth (YoY)n/an/an/an/an/a
Asset Quality
Delinquent Loans / Loans2.70%3.97%4.97%n/a
Net Charge-Offs / Loansn/an/an/an/an/a
Allowance / Loans1.32%1.24%0.91%n/a
Capital
Risk-Based Capitaln/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/a
Liquidity & Funding
Loans / Shares74.64%90.30%86.29%n/a
Liquid Assets / Assets5.36%6.28%0.92%n/a