PackageTrendsPeer
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Sierra Schools

Reno, NV · Charter 6004

Q1 1997

$75.3MAssets
$59.1MLoans
$68.0MShares
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 3.68%, down 27 bps year over year.
  • Asset quality: problem loans at 0.40% of loans (-48 bps YoY).
  • Funding: loans stand at 86.80% of shares as of Q1 1997.

Financial Results

Return on Assets (quarter, annualized)

3.68%-27 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ1 1996Q2 1996Q3 1996Q4 1996Q1 1997YoY ΔTrend
Earnings
Return on Assets3.95%3.85%n/a3.91%3.68%-27 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)12.88%11.74%9.21%8.49%9.21%-367 bps
Loan Growth (YoY)6.98%10.43%16.13%26.76%31.14%+2,416 bps
Share Growth (YoY)12.71%11.61%8.89%8.55%9.58%-313 bps
Asset Quality
Delinquent Loans / Loans0.88%0.88%0.78%0.77%0.40%-48 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.60%0.58%0.70%0.70%0.65%+4 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 / Shares72.53%76.77%84.43%87.94%86.80%+1,427 bps
Liquid Assets / Assets19.44%14.93%10.07%8.38%12.20%-724 bps