PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Saints Memorial Employees

Lowell, MA · Charter 21293

Q4 1995

$1.7MAssets
$454KLoans
$1.5MShares
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 4.36%.
  • Asset quality: problem loans at 0.15% of loans.
  • Funding: loans stand at 29.39% of shares as of Q4 1995.

Financial Results

Return on Assets (YTD, annualized)

4.36%

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 1995YoY ΔTrend
Earnings
Return on Assets4.33%4.58%4.16%4.36%n/a
Return on Equityn/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/an/an/a
Loan Growth (YoY)n/an/an/an/an/an/a
Share Growth (YoY)n/an/an/an/an/an/a
Asset Quality
Delinquent Loans / Loans0.77%1.20%1.74%0.15%n/a
Net Charge-Offs / Loansn/an/an/an/an/an/a
Allowance / Loans0.11%0.67%0.64%0.12%n/a
Capital
Risk-Based Capitaln/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares22.63%26.46%27.38%29.39%n/a
Liquid Assets / Assets22.82%23.74%28.69%24.18%n/a