PackageTrendsPeer
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Slate Belt

Bangor, PA · Charter 22862

Q2 1996

$287KAssets
$80KLoans
$240KShares
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 3.48%, up 493 bps year over year.
  • Asset quality: problem loans at 12.51% of loans (+460 bps YoY).
  • Funding: loans stand at 33.33% of shares as of Q2 1996.

Financial Results

Return on Assets (quarter, annualized)

3.48%+493 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 Assets-1.45%1.99%4.67%4.91%3.48%+493 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-16.99%n/an/a
Loan Growth (YoY)n/an/an/an/a-52.66%n/an/a
Share Growth (YoY)n/an/an/an/a-22.32%n/an/a
Asset Quality
Delinquent Loans / Loans7.92%4.97%4.94%5.86%12.51%+460 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans8.48%9.21%9.81%12.79%21.04%+1,257 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 / Shares54.70%56.19%60.97%57.49%33.33%-2,137 bps
Liquid Assets / Assets42.99%46.60%45.59%52.43%49.90%+691 bps