PackageTrendsPeer
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Triangle

Nashua, NH · Charter 3433

Q3 1996

$83.2MAssets
$57.3MLoans
$74.7MShares
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

  • Asset quality: problem loans at 0.15% of loans (-26 bps YoY).
  • Funding: loans stand at 76.73% of shares as of Q3 1996.

Financial Results

Return on Assets (quarter, annualized)

n/a

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ3 1995Q4 1995Q1 1996Q2 1996Q3 1996YoY ΔTrend
Earnings
Return on Assets4.53%4.70%4.94%4.87%n/an/a
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)6.50%9.63%10.06%10.15%6.74%+24 bps
Loan Growth (YoY)4.94%5.10%5.95%11.96%13.56%+863 bps
Share Growth (YoY)5.39%8.59%9.65%8.92%6.18%+79 bps
Asset Quality
Delinquent Loans / Loans0.41%0.50%0.38%0.26%0.15%-26 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.50%0.47%0.42%0.44%0.37%-13 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 / Shares71.74%72.86%72.30%75.79%76.73%+499 bps
Liquid Assets / Assets17.27%15.45%12.58%10.12%11.58%-569 bps