Carson City, NV · Charter 6003
Q4 1996
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 1995 | Q1 1996 | Q2 1996 | Q3 1996 | Q4 1996 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.99% | 3.95% | 3.99% | n/a | 3.89% | -10 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 17.02% | 13.17% | 12.27% | 11.80% | 11.61% | -541 bps | |
| Loan Growth (YoY) | 12.13% | 10.91% | 11.02% | 16.38% | 16.25% | +412 bps | |
| Share Growth (YoY) | 17.48% | 13.23% | 12.88% | 12.31% | 12.26% | -523 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.67% | 0.67% | 0.65% | 0.61% | 0.64% | -3 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.36% | 0.40% | 0.36% | 0.31% | 0.40% | +4 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 77.57% | 75.30% | 76.20% | 80.58% | 80.33% | +276 bps | |
| Liquid Assets / Assets | 5.92% | 7.71% | 6.86% | 5.11% | 8.88% | +296 bps | |