PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Newport Employees

Pensacola, FL · Charter 4943

Q4 1996

$1.6MAssets
$1.2MLoans
$1.5MShares
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 2.31%, down 25 bps year over year.
  • Asset quality: problem loans at 1.54% of loans (-207 bps YoY).
  • Funding: loans stand at 81.53% of shares as of Q4 1996.

Financial Results

Return on Assets (YTD, annualized)

2.31%-25 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.

MetricQ4 1994Q2 1995Q4 1995Q2 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets2.57%2.82%2.15%2.37%2.31%-25 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/a-26.63%-27.56%n/a
Loan Growth (YoY)n/an/an/a4.30%-17.04%n/a
Share Growth (YoY)n/an/an/a-28.49%-29.03%n/a
Asset Quality
Delinquent Loans / Loans3.61%3.47%3.54%2.96%1.54%-207 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.02%0.58%1.94%1.74%1.78%-24 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 / Shares69.75%79.02%88.19%84.92%81.53%+1,178 bps
Liquid Assets / Assets30.58%20.70%12.85%14.82%18.36%-1,222 bps