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St. Eugene

Bedford, OH · Charter 61191

Q4 1995

$419KAssets
$177KLoans
$386KShares
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 4.83%.
  • Asset quality: problem loans at 1.93% of loans.
  • Funding: loans stand at 45.79% of shares as of Q4 1995.

Financial Results

Return on Assets (quarter, annualized)

4.83%

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 1995YoY ΔTrend
Earnings
Return on Assets3.03%3.40%3.70%4.83%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 / Loans8.64%9.32%2.82%1.93%n/a
Net Charge-Offs / Loansn/an/an/an/an/an/a
Allowance / Loans6.03%4.65%2.82%2.78%n/a
Capital
Risk-Based Capitaln/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares15.34%21.57%39.46%45.79%n/a
Liquid Assets / Assets52.65%48.39%39.50%45.87%n/a