PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Community Savings

Milpitas, CA · Charter 4858

Q4 1995

$14.0MAssets
$8.3MLoans
$13.4MShares
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 3.37%.
  • Asset quality: problem loans at 1.17% of loans.
  • Funding: loans stand at 62.02% of shares as of Q4 1995.

Financial Results

Return on Assets (YTD, annualized)

3.37%

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 1995YoY ΔTrend
Earnings
Return on Assets2.81%3.13%3.38%3.37%n/a
Return on Equityn/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/an/an/a
Loan Growth (YoY)n/an/an/an/an/an/a
Share Growth (YoY)n/an/an/an/an/an/a
Asset Quality
Delinquent Loans / Loans0.88%0.62%0.77%1.17%n/a
Net Charge-Offs / Loansn/an/an/an/an/an/a
Allowance / Loans1.72%1.61%1.38%1.48%n/a
Capital
Risk-Based Capitaln/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares49.27%54.66%57.45%62.02%n/a
Liquid Assets / Assets24.75%21.38%28.95%24.46%n/a