PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Quam-Nichols

Chicago, IL · Charter 60874

Q2 1996

$77KAssets
$18KLoans
$63KShares
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 0.90%, down 169 bps year over year.
  • Asset quality: problem loans at 11.55% of loans (+935 bps YoY).
  • Funding: loans stand at 29.03% of shares as of Q2 1996.

Financial Results

Return on Assets (quarter, annualized)

0.90%-169 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets2.59%2.57%2.35%2.57%0.90%-169 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-16.07%n/an/a
Loan Growth (YoY)n/an/an/an/a-29.18%n/an/a
Share Growth (YoY)n/an/an/an/a-4.57%n/an/a
Asset Quality
Delinquent Loans / Loans2.20%3.98%12.05%3.98%11.55%+935 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans13.99%9.88%20.47%9.88%19.75%+576 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 / Shares39.12%55.65%32.55%55.65%29.03%-1,009 bps
Liquid Assets / Assets0.90%58.01%73.53%58.01%12.10%+1,119 bps