PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Ciba Corning Employees

Medfield, MA · Charter 20371

Q4 1996

$700KAssets
$523KLoans
$598KShares
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 2.49%, down 33 bps year over year.
  • Asset quality: problem loans at 5.86% of loans (+445 bps YoY).
  • Funding: loans stand at 87.46% of shares as of Q4 1996.

Financial Results

Return on Assets (quarter, annualized)

2.49%-33 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1994Q2 1995Q4 1995Q2 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets2.82%2.94%3.90%2.28%2.49%-33 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/a-9.10%-22.12%n/a
Loan Growth (YoY)n/an/an/a-10.14%-31.02%n/a
Share Growth (YoY)n/an/an/a-12.34%-26.42%n/a
Asset Quality
Delinquent Loans / Loans1.41%0.71%2.50%4.94%5.86%+445 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.89%1.13%1.52%2.19%2.32%+144 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 / Shares93.30%88.88%110.84%73.84%87.46%-583 bps
Liquid Assets / Assets5.89%13.95%2.04%18.26%9.32%+342 bps