PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Stella Maris Employees

Towson, MD · Charter 21699

Q4 1996

$1.1MAssets
$741KLoans
$975KShares
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 1.95%, down 464 bps year over year.
  • Asset quality: problem loans at 3.82% of loans (-179 bps YoY).
  • Funding: loans stand at 75.99% of shares as of Q4 1996.

Financial Results

Return on Assets (quarter, annualized)

1.95%-464 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1994Q2 1995Q4 1995Q2 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets6.59%4.17%3.16%0.59%1.95%-464 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/a15.06%3.82%n/a
Loan Growth (YoY)n/an/an/a-0.53%-4.27%n/a
Share Growth (YoY)n/an/an/a16.08%5.53%n/a
Asset Quality
Delinquent Loans / Loans5.61%6.62%8.98%6.98%3.82%-179 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.55%1.57%4.52%3.97%1.14%-41 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 / Shares83.77%74.62%79.41%65.33%75.99%-777 bps
Liquid Assets / Assets21.89%7.57%1.41%1.32%1.60%-2,029 bps