PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

De Graff Employees

North Tonawanda, NY · Charter 24050

Q4 1995

$310KAssets
$247KLoans
$292KShares
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 2.04%.
  • Asset quality: problem loans at 16.03% of loans.
  • Funding: loans stand at 84.47% of shares as of Q4 1995.

Financial Results

Return on Assets (YTD, annualized)

2.04%

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 Assets2.41%1.77%1.44%2.04%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 / Loans10.20%7.55%6.69%16.03%n/a
Net Charge-Offs / Loansn/an/an/an/an/an/a
Allowance / Loans4.65%4.03%3.08%0.00%n/a
Capital
Risk-Based Capitaln/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares85.50%73.57%66.52%84.47%n/a
Liquid Assets / Assets2.45%2.36%6.20%8.23%n/a