PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Potelco United

Pocatello, ID · Charter 2233

Q4 1996

$20.9MAssets
$17.6MLoans
$19.5MShares
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 4.46%, down 26 bps year over year.
  • Asset quality: problem loans at 1.61% of loans (+41 bps YoY).
  • Funding: loans stand at 90.17% of shares as of Q4 1996.

Financial Results

Return on Assets (YTD, annualized)

4.46%-26 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 Assets4.72%4.38%4.44%4.37%4.46%-26 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/a20.16%15.98%n/a
Loan Growth (YoY)n/an/an/a16.67%9.97%n/a
Share Growth (YoY)n/an/an/a19.35%18.19%n/a
Asset Quality
Delinquent Loans / Loans1.20%1.81%2.25%1.77%1.61%+41 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.83%0.87%0.90%0.81%0.75%-8 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 / Shares96.91%92.44%93.58%90.67%90.17%-674 bps
Liquid Assets / Assets1.55%2.70%2.51%2.21%2.35%+80 bps