PackageTrendsPeer
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Florida Faa

Miami Lakes, FL · Charter 23278

Q2 1997

$48.1MAssets
$36.8MLoans
$42.1MShares
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 4.38%, down 30 bps year over year.
  • Asset quality: problem loans at 1.77% of loans (+81 bps YoY).
  • Funding: loans stand at 87.28% of shares as of Q2 1997.

Financial Results

Return on Assets (quarter, annualized)

4.38%-30 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets4.68%4.04%4.14%3.97%4.38%-30 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/a21.86%25.94%26.30%n/a
Loan Growth (YoY)n/an/a25.80%30.36%25.26%n/a
Share Growth (YoY)n/an/a20.18%25.66%26.16%n/a
Asset Quality
Delinquent Loans / Loans0.96%1.15%1.30%1.39%1.77%+81 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.33%1.25%1.07%0.99%1.11%-22 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 / Shares87.91%85.42%86.48%88.57%87.28%-63 bps
Liquid Assets / Assets8.32%10.04%8.37%11.88%12.98%+466 bps