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Johnstone Training & Res Ctr

New Lisbon, NJ · Charter 20546

Q2 1996

$573KAssets
$380KLoans
$488KShares
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 3.11%, down 192 bps year over year.
  • Asset quality: problem loans at 9.69% of loans (-123 bps YoY).
  • Funding: loans stand at 77.88% of shares as of Q2 1996.

Financial Results

Return on Assets (YTD, annualized)

3.11%-192 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 Assets5.04%4.46%3.11%2.64%3.11%-192 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/a-4.03%n/an/a
Loan Growth (YoY)n/an/an/an/a-18.95%n/an/a
Share Growth (YoY)n/an/an/an/a-10.28%n/an/a
Asset Quality
Delinquent Loans / Loans10.92%8.47%9.69%15.36%9.69%-123 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans8.97%6.42%7.74%9.66%7.74%-122 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 / Shares86.22%78.22%77.88%69.46%77.88%-833 bps
Liquid Assets / Assets8.88%5.40%0.26%2.93%9.71%+84 bps