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Mary's

Spokane, WA · Charter 22080

Q2 1996

$780KAssets
$617KLoans
$751KShares
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 3.71%, up 7 bps year over year.
  • Asset quality: problem loans at 2.13% of loans (-149 bps YoY).
  • Funding: loans stand at 82.19% of shares as of Q2 1996.

Financial Results

Return on Assets (quarter, annualized)

3.71%+7 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets3.63%4.25%-1.97%0.45%3.71%+7 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-13.38%n/an/a
Loan Growth (YoY)n/an/an/an/a-21.69%n/an/a
Share Growth (YoY)n/an/an/an/a-11.69%n/an/a
Asset Quality
Delinquent Loans / Loans3.63%6.23%9.02%3.00%2.13%-149 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.81%1.11%2.83%3.50%3.34%+153 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 / Shares92.70%93.47%79.85%90.82%82.19%-1,050 bps
Liquid Assets / Assets10.89%11.44%22.53%13.31%21.58%+1,069 bps