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Naper Tech

Naperville, IL · Charter 20592

Q4 1996

$27.2MAssets
$18.1MLoans
$24.5MShares
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 3.98%, up 40 bps year over year.
  • Asset quality: problem loans at 2.57% of loans (+87 bps YoY).
  • Funding: loans stand at 73.94% of shares as of Q4 1996.

Financial Results

Return on Assets (YTD, annualized)

3.98%+40 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.

MetricQ4 1994Q2 1995Q4 1995Q2 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets3.57%4.16%4.10%3.75%3.98%+40 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/a15.55%11.10%n/a
Loan Growth (YoY)n/an/an/a24.00%20.31%n/a
Share Growth (YoY)n/an/an/a14.57%8.62%n/a
Asset Quality
Delinquent Loans / Loans1.70%2.50%2.16%2.95%2.57%+87 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.33%1.20%1.23%1.19%1.29%-3 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 / Shares66.76%66.44%73.83%69.36%73.94%+718 bps
Liquid Assets / Assets24.04%26.85%18.37%20.86%21.31%-273 bps