PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

United Food & Commercial W

San Jose, CA · Charter 60723

Q4 1995

$2.7MAssets
$2.3MLoans
$2.4MShares
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 3.10%.
  • Asset quality: problem loans at 1.41% of loans.
  • Funding: loans stand at 95.16% of shares as of Q4 1995.

Financial Results

Return on Assets (YTD, annualized)

3.10%

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 1995YoY ΔTrend
Earnings
Return on Assets3.22%3.20%2.92%3.10%n/a
Return on Equityn/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/an/an/a
Loan Growth (YoY)n/an/an/an/an/an/a
Share Growth (YoY)n/an/an/an/an/an/a
Asset Quality
Delinquent Loans / Loans2.46%1.44%1.50%1.41%n/a
Net Charge-Offs / Loansn/an/an/an/an/an/a
Allowance / Loans1.02%0.94%1.04%0.94%n/a
Capital
Risk-Based Capitaln/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares67.27%76.94%87.51%95.16%n/a
Liquid Assets / Assets36.45%26.85%21.53%14.63%n/a