PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Celotex Employees (N.J.)

Keasbey, NJ · Charter 22347

Q4 1995

$26KAssets
$14KLoans
$17KShares
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 1.51%.
  • Asset quality: problem loans at 4.10% of loans.
  • Funding: loans stand at 82.13% of shares as of Q4 1995.

Financial Results

Return on Assets (YTD, annualized)

1.51%

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.

MetricQ2 1994Q4 1994Q2 1995Q4 1995YoY ΔTrend
Earnings
Return on Assets3.48%4.11%3.56%1.51%n/a
Return on Equityn/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/an/an/a
Loan Growth (YoY)n/an/an/an/an/an/a
Share Growth (YoY)n/an/an/an/an/an/a
Asset Quality
Delinquent Loans / Loans14.66%7.34%0.00%4.10%n/a
Net Charge-Offs / Loansn/an/an/an/an/an/a
Allowance / Loans1.47%1.55%2.09%3.91%n/a
Capital
Risk-Based Capitaln/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares92.69%123.77%130.54%82.13%n/a
Liquid Assets / Assets15.43%0.97%1.66%0.00%n/a