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Letter portraitLegal landscapeQuarterYTD

Del Monte Mtn States Emp

Ogden, UT · Charter 5109

Q2 1995

$249KAssets
$150KLoans
$167KShares
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 3.48%.
  • Asset quality: problem loans at 7.98% of loans.
  • Funding: loans stand at 89.56% of shares as of Q2 1995.

Financial Results

Return on Assets (quarter, annualized)

3.48%

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 Assets1.75%3.00%3.48%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 / Loans2.89%10.51%7.98%n/a
Net Charge-Offs / Loansn/an/an/an/an/a
Allowance / Loans1.20%1.32%3.29%n/a
Capital
Risk-Based Capitaln/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/a
Liquidity & Funding
Loans / Shares69.16%73.75%89.56%n/a
Liquid Assets / Assets39.50%36.63%28.64%n/a