PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Fresno County Employees

Fresno, CA · Charter 60469

Q2 1995

$140.7MAssets
$74.1MLoans
$126.7MShares
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 4.54%, down 6 bps year over year.
  • Asset quality: problem loans at 1.09% of loans (+38 bps YoY).
  • Funding: loans stand at 58.50% of shares as of Q2 1995.

Financial Results

Return on Assets (quarter, annualized)

4.54%-6 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1994Q3 1994Q4 1994Q1 1995Q2 1995YoY ΔTrend
Earnings
Return on Assets4.59%4.50%4.63%5.21%4.54%-6 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/a0.18%4.87%n/a
Loan Growth (YoY)n/an/an/a15.53%15.54%n/a
Share Growth (YoY)n/an/an/a-2.75%1.69%n/a
Asset Quality
Delinquent Loans / Loans0.71%0.52%0.89%1.23%1.09%+38 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.76%0.77%0.65%0.57%0.73%-3 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 / Shares51.48%51.98%55.57%57.99%58.50%+701 bps
Liquid Assets / Assets11.83%14.32%11.05%8.90%19.83%+799 bps