PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Boston Texaco Employees

Providence, RI · Charter 509

Q2 1996

$763KAssets
$624KLoans
$701KShares
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 0.61%, down 229 bps year over year.
  • Asset quality: problem loans at 5.95% of loans (+539 bps YoY).
  • Funding: loans stand at 88.98% of shares as of Q2 1996.

Financial Results

Return on Assets (quarter, annualized)

0.61%-229 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 Assets2.90%2.62%3.83%3.83%0.61%-229 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-15.97%n/an/a
Loan Growth (YoY)n/an/an/an/a5.66%n/an/a
Share Growth (YoY)n/an/an/an/a-14.80%n/an/a
Asset Quality
Delinquent Loans / Loans0.56%0.85%1.46%8.35%5.95%+539 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.34%0.69%1.39%1.79%0.14%-20 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 / Shares71.76%104.04%92.52%90.86%88.98%+1,723 bps
Liquid Assets / Assets15.93%10.60%11.37%13.99%14.87%-106 bps