PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Clairol Employees

Stamford, CT · Charter 21234

Q4 1996

$3.6MAssets
$1.4MLoans
$3.5MShares
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 1.90%, down 75 bps year over year.
  • Asset quality: problem loans at 0.39% of loans (-166 bps YoY).
  • Funding: loans stand at 41.03% of shares as of Q4 1996.

Financial Results

Return on Assets (YTD, annualized)

1.90%-75 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 Assets2.65%2.20%2.18%1.88%1.90%-75 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-5.07%-3.55%n/a
Loan Growth (YoY)n/an/an/a-21.89%-32.01%n/a
Share Growth (YoY)n/an/an/a-6.16%-4.22%n/a
Asset Quality
Delinquent Loans / Loans2.05%0.38%0.74%0.19%0.39%-166 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.31%1.27%1.46%1.42%1.94%-37 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 / Shares57.80%52.65%53.44%42.27%41.03%-1,677 bps
Liquid Assets / Assets17.21%39.21%47.17%57.47%56.16%+3,895 bps