PackageTrendsPeer
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Equitable

Pawtucket, RI · Charter 60557

Q2 1996

$12.9MAssets
$7.3MLoans
$12.4MShares
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 3.80%, down 9 bps year over year.
  • Asset quality: problem loans at 10.32% of loans (-78 bps YoY).
  • Funding: loans stand at 58.58% of shares as of Q2 1996.

Financial Results

Return on Assets (YTD, annualized)

3.80%-9 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 Assets3.89%4.15%4.02%3.64%3.80%-9 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-6.60%n/an/a
Loan Growth (YoY)n/an/an/an/a-6.22%n/an/a
Share Growth (YoY)n/an/an/an/a-5.49%n/an/a
Asset Quality
Delinquent Loans / Loans11.10%5.59%5.32%4.20%10.32%-78 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.51%2.96%2.86%2.63%2.13%-138 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 / Shares59.04%66.84%61.61%56.80%58.58%-46 bps
Liquid Assets / Assets34.87%29.25%32.73%39.18%6.24%-2,863 bps