PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

National Guardian Employees

Oakbrook Terrac, IL · Charter 24371

Q4 1996

$476KAssets
$216KLoans
$404KShares
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 5.02%, up 70 bps year over year.
  • Asset quality: problem loans at 8.76% of loans (+203 bps YoY).
  • Funding: loans stand at 53.55% of shares as of Q4 1996.

Financial Results

Return on Assets (YTD, annualized)

5.02%+70 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.

MetricQ4 1994Q2 1995Q4 1995Q2 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets4.32%4.05%4.70%4.85%5.02%+70 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/a-13.30%-36.36%n/a
Loan Growth (YoY)n/an/an/a28.93%-34.40%n/a
Share Growth (YoY)n/an/an/a-18.01%-42.18%n/a
Asset Quality
Delinquent Loans / Loans6.73%0.95%0.85%12.80%8.76%+203 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.94%1.35%1.77%2.67%0.00%-194 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 / Shares47.20%40.23%48.33%40.69%53.55%+635 bps
Liquid Assets / Assets48.83%55.05%47.22%30.75%40.64%-819 bps