PackageTrendsPeer
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St. Louis Cathedral

New Orleans, LA · Charter 5793

Q2 1996

$150KAssets
$14KLoans
$109KShares
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 2.36%, down 221 bps year over year.
  • Asset quality: problem loans at 19.08% of loans (+1,907 bps YoY).
  • Funding: loans stand at 13.22% of shares as of Q2 1996.

Financial Results

Return on Assets (YTD, annualized)

2.36%-221 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.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets4.57%3.54%2.66%1.37%2.36%-221 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-3.20%n/an/a
Loan Growth (YoY)n/an/an/an/a-44.89%n/an/a
Share Growth (YoY)n/an/an/an/a-6.73%n/an/a
Asset Quality
Delinquent Loans / Loans0.01%1.80%7.28%7.11%19.08%+1,907 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans13.59%15.38%16.53%21.71%25.67%+1,208 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 / Shares22.38%21.28%20.93%15.62%13.22%-915 bps
Liquid Assets / Assets12.90%26.20%77.86%77.22%76.28%+6,338 bps