PackageTrendsPeer
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Hercules Burlington

Burlington, NJ · Charter 6029

Q4 1996

$649KAssets
$478KLoans
$562KShares
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 2.86%, down 137 bps year over year.
  • Asset quality: problem loans at 2.29% of loans (+91 bps YoY).
  • Funding: loans stand at 85.06% of shares as of Q4 1996.

Financial Results

Return on Assets (YTD, annualized)

2.86%-137 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.

MetricQ4 1994Q2 1995Q4 1995Q2 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets4.23%4.55%4.99%4.42%2.86%-137 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/a-1.23%-9.13%n/a
Loan Growth (YoY)n/an/an/a-6.79%-16.62%n/a
Share Growth (YoY)n/an/an/a-4.50%-11.93%n/a
Asset Quality
Delinquent Loans / Loans1.38%1.80%1.40%2.46%2.29%+91 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.14%2.48%2.18%1.27%2.02%-12 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 / Shares89.85%77.30%69.46%80.76%85.06%-479 bps
Liquid Assets / Assets15.30%28.84%35.57%26.66%23.55%+825 bps