Las Vegas, NV · Charter 22168
Q4 1996
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1995 | Q1 1996 | Q2 1996 | Q3 1996 | Q4 1996 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.58% | 4.37% | 4.10% | n/a | 4.06% | -53 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 5.29% | 4.21% | 7.19% | 4.45% | 5.40% | +12 bps | |
| Loan Growth (YoY) | 5.14% | 5.30% | 10.32% | 23.24% | 22.84% | +1,770 bps | |
| Share Growth (YoY) | 3.69% | 3.36% | 5.94% | 3.46% | 5.03% | +133 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.13% | 0.99% | 1.12% | 1.27% | 0.93% | -21 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.29% | 1.14% | 1.14% | 1.26% | 1.29% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 56.96% | 55.57% | 59.77% | 67.16% | 66.62% | +966 bps | |
| Liquid Assets / Assets | 20.18% | 19.45% | 18.24% | 13.58% | 16.66% | -352 bps | |