PackageTrendsPeer
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Jantzen

Portland, OR · Charter 5653

Q2 1996

$25.9MAssets
$19.7MLoans
$23.5MShares
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 4.40%, up 39 bps year over year.
  • Asset quality: problem loans at 1.56% of loans (+73 bps YoY).
  • Funding: loans stand at 83.74% of shares as of Q2 1996.

Financial Results

Return on Assets (quarter, annualized)

4.40%+39 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 Assets4.01%3.97%4.29%4.38%4.40%+39 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/a25.08%n/an/a
Loan Growth (YoY)n/an/an/an/a18.68%n/an/a
Share Growth (YoY)n/an/an/an/a24.07%n/an/a
Asset Quality
Delinquent Loans / Loans0.83%0.19%0.27%1.55%1.56%+73 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.69%0.57%0.58%0.50%0.51%-18 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 / Shares87.55%96.37%81.04%82.78%83.74%-380 bps
Liquid Assets / Assets13.74%6.89%19.58%18.55%18.16%+441 bps