PackageTrendsPeer
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Pitts Met

Niagara Falls, NY · Charter 4659

Q2 1996

$1.0MAssets
$669KLoans
$894KShares
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 2.85%, unchanged from a year ago.
  • Asset quality: problem loans at 0.00% of loans (-10 bps YoY).
  • Funding: loans stand at 74.84% of shares as of Q2 1996.

Financial Results

Return on Assets (YTD, annualized)

2.85%0 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 Assets2.85%3.00%2.35%2.58%2.85%0 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-26.60%n/an/a
Loan Growth (YoY)n/an/an/an/a-25.97%n/an/a
Share Growth (YoY)n/an/an/an/a-29.19%n/an/a
Asset Quality
Delinquent Loans / Loans0.10%7.72%8.04%0.00%0.00%-10 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.79%3.61%3.68%4.61%2.85%-95 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 / Shares71.59%88.72%89.64%75.30%74.84%+326 bps
Liquid Assets / Assets25.75%11.10%19.28%25.06%30.46%+471 bps