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Holy Ghost Faith

Opelousas, LA · Charter 24119

Q2 1996

$125KAssets
$49KLoans
$114KShares
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 -1.38%, down 286 bps year over year.
  • Asset quality: problem loans at 30.51% of loans (+2,955 bps YoY).
  • Funding: loans stand at 43.17% of shares as of Q2 1996.

Financial Results

Return on Assets (quarter, annualized)

-1.38%-286 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 Assets1.48%0.15%0.79%-0.31%-1.38%-286 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/a2.54%n/an/a
Loan Growth (YoY)n/an/an/an/a16.41%n/an/a
Share Growth (YoY)n/an/an/an/a4.15%n/an/a
Asset Quality
Delinquent Loans / Loans0.96%18.42%17.47%38.75%30.51%+2,955 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.63%12.05%15.32%13.04%17.35%+1,371 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 / Shares38.62%48.37%40.25%47.57%43.17%+455 bps
Liquid Assets / Assets63.97%57.82%55.10%52.20%56.30%-767 bps