PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Sears Piedmont Employment

Greensboro, NC · Charter 22424

Q4 1994

$3.9MAssets
$2.4MLoans
$3.5MShares
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 2.91%.
  • Asset quality: problem loans at 6.38% of loans.
  • Funding: loans stand at 69.77% of shares as of Q4 1994.

Financial Results

Return on Assets (YTD, annualized)

2.91%

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 1994YoY ΔTrend
Earnings
Return on Assets1.86%2.91%n/a
Return on Equityn/an/an/an/a
Net Interest Marginn/an/an/an/a
Efficiency Ration/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a
Loan Growth (YoY)n/an/an/an/a
Share Growth (YoY)n/an/an/an/a
Asset Quality
Delinquent Loans / Loans9.38%6.38%n/a
Net Charge-Offs / Loansn/an/an/an/a
Allowance / Loans3.04%1.65%n/a
Capital
Risk-Based Capitaln/an/an/an/a
Net Worth / Assetsn/an/an/an/a
Liquidity & Funding
Loans / Shares61.81%69.77%n/a
Liquid Assets / Assets43.31%31.67%n/a