PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

San Marcos Optical Employees

San Marcos, CA · Charter 22968

Q2 1996

$1.2MAssets
$614KLoans
$1.1MShares
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 0.98%, down 256 bps year over year.
  • Asset quality: problem loans at 7.05% of loans (-289 bps YoY).
  • Funding: loans stand at 55.09% of shares as of Q2 1996.

Financial Results

Return on Assets (YTD, annualized)

0.98%-256 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.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets3.54%1.26%-6.10%-1.05%0.98%-256 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-43.83%n/an/a
Loan Growth (YoY)n/an/an/an/a-36.68%n/an/a
Share Growth (YoY)n/an/an/an/a-42.75%n/an/a
Asset Quality
Delinquent Loans / Loans9.94%10.95%7.09%5.56%7.05%-289 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.89%5.41%7.83%7.31%8.02%+713 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 / Shares49.81%59.12%57.82%61.52%55.09%+529 bps
Liquid Assets / Assets47.24%38.03%43.63%40.41%40.07%-716 bps