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Glen Oaks Village Owners

Glen Oaks, NY · Charter 24149

Q2 1996

$248KAssets
$129KLoans
$228KShares
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 5.06%, up 57 bps year over year.
  • Asset quality: problem loans at 9.72% of loans (+544 bps YoY).
  • Funding: loans stand at 56.68% of shares as of Q2 1996.

Financial Results

Return on Assets (YTD, annualized)

5.06%+57 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 Assets4.49%3.69%5.00%3.30%5.06%+57 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/a12.97%n/an/a
Loan Growth (YoY)n/an/an/an/a24.99%n/an/a
Share Growth (YoY)n/an/an/an/a12.19%n/an/a
Asset Quality
Delinquent Loans / Loans4.28%0.00%3.05%3.58%9.72%+544 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.15%0.36%1.03%2.06%2.37%+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 / Shares50.87%64.94%64.51%53.00%56.68%+581 bps
Liquid Assets / Assets47.87%37.98%33.81%44.45%41.04%-683 bps