PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Central

Waco, TX · Charter 4012

Q2 1996

$19.3MAssets
$6.0MLoans
$12.6MShares
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 5.27%, up 87 bps year over year.
  • Asset quality: problem loans at 0.95% of loans (+69 bps YoY).
  • Funding: loans stand at 47.75% of shares as of Q2 1996.

Financial Results

Return on Assets (quarter, annualized)

5.27%+87 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 Assets4.40%4.60%5.16%5.35%5.27%+87 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/a-0.80%n/an/a
Loan Growth (YoY)n/an/an/an/a-4.79%n/an/a
Share Growth (YoY)n/an/an/an/a30.25%n/an/a
Asset Quality
Delinquent Loans / Loans0.26%0.34%0.37%0.71%0.95%+69 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.18%0.13%0.15%0.46%0.17%-1 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 / Shares65.33%70.85%76.26%76.44%47.75%-1,757 bps
Liquid Assets / Assets64.47%62.07%61.75%61.80%63.40%-107 bps