PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Arkansas National Guard Employees

Sherwood, AR · Charter 21087

Q2 1996

$1.2MAssets
$1.1MLoans
$1.0MShares
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 4.19%, up 71 bps year over year.
  • Asset quality: problem loans at 0.10% of loans (-92 bps YoY).
  • Funding: loans stand at 109.34% of shares as of Q2 1996.

Financial Results

Return on Assets (YTD, annualized)

4.19%+71 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 Assets3.48%3.58%4.09%4.54%4.19%+71 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-1.69%n/an/a
Loan Growth (YoY)n/an/an/an/a16.72%n/an/a
Share Growth (YoY)n/an/an/an/a-4.20%n/an/a
Asset Quality
Delinquent Loans / Loans1.02%0.58%0.70%0.24%0.10%-92 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.79%2.12%2.39%1.32%0.54%-226 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 / Shares89.74%99.39%93.93%100.30%109.34%+1,960 bps
Liquid Assets / Assets12.62%8.55%14.45%1.24%2.60%-1,002 bps