PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Binghamton District Nys Employees

Binghamton, NY · Charter 4669

Q2 1995

$20.3MAssets
$15.2MLoans
$19.5MShares
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 1.32%.
  • Asset quality: problem loans at 2.02% of loans.
  • Funding: loans stand at 77.96% of shares as of Q2 1995.

Financial Results

Return on Assets (quarter, annualized)

1.32%

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1994Q4 1994Q2 1995YoY ΔTrend
Earnings
Return on Assets2.84%2.40%1.32%n/a
Return on Equityn/an/an/an/an/a
Net Interest Marginn/an/an/an/an/a
Efficiency Ration/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/an/a
Loan Growth (YoY)n/an/an/an/an/a
Share Growth (YoY)n/an/an/an/an/a
Asset Quality
Delinquent Loans / Loans1.79%2.09%2.02%n/a
Net Charge-Offs / Loansn/an/an/an/an/a
Allowance / Loans1.25%1.68%2.43%n/a
Capital
Risk-Based Capitaln/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/a
Liquidity & Funding
Loans / Shares75.78%81.17%77.96%n/a
Liquid Assets / Assets15.47%9.23%12.92%n/a