PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Armstrong-Urw Nashville Employees

Madison, TN · Charter 21488

Q4 1996

$2.6MAssets
$1.1MLoans
$1.9MShares
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 5.24%, up 148 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (-1,949 bps YoY).
  • Funding: loans stand at 56.09% of shares as of Q4 1996.

Financial Results

Return on Assets (YTD, annualized)

5.24%+148 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 Assets3.77%8.60%6.58%5.22%5.24%+148 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-35.20%-23.29%n/a
Loan Growth (YoY)n/an/an/a-17.41%-26.48%n/a
Share Growth (YoY)n/an/an/a-42.93%-32.16%n/a
Asset Quality
Delinquent Loans / Loans19.49%5.29%3.16%3.19%0.00%-1,949 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans7.16%3.72%2.65%2.88%0.15%-700 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 / Shares51.76%55.31%53.24%54.02%56.09%+433 bps
Liquid Assets / Assets20.77%23.31%21.95%21.76%38.56%+1,779 bps