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Wadsworth

Wadsworth, OH · Charter 2922

Q2 1996

$7.6MAssets
$3.5MLoans
$7.4MShares
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 3.69%, up 108 bps year over year.
  • Asset quality: problem loans at 3.48% of loans (+201 bps YoY).
  • Funding: loans stand at 47.97% of shares as of Q2 1996.

Financial Results

Return on Assets (quarter, annualized)

3.69%+108 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 Assets2.61%0.57%4.55%4.26%3.69%+108 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/a36.01%n/an/a
Loan Growth (YoY)n/an/an/an/a-11.27%n/an/a
Share Growth (YoY)n/an/an/an/a40.39%n/an/a
Asset Quality
Delinquent Loans / Loans1.47%1.10%3.88%2.46%3.48%+201 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.47%2.52%1.89%1.85%2.33%+186 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 / Shares75.91%59.53%51.89%49.80%47.97%-2,793 bps
Liquid Assets / Assets8.84%34.75%43.65%31.54%27.47%+1,863 bps