PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

L. B. Employees

Pagedale, MO · Charter 61238

Q4 1996

$2.3MAssets
$786KLoans
$1.9MShares
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 2.38%, down 23 bps year over year.
  • Asset quality: problem loans at 5.05% of loans (+48 bps YoY).
  • Funding: loans stand at 41.72% of shares as of Q4 1996.

Financial Results

Return on Assets (YTD, annualized)

2.38%-23 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.

MetricQ4 1994Q2 1995Q4 1995Q2 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets2.60%2.86%3.11%2.24%2.38%-23 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/a-20.05%-19.35%n/a
Loan Growth (YoY)n/an/an/a-19.54%-41.57%n/a
Share Growth (YoY)n/an/an/a-23.41%-22.32%n/a
Asset Quality
Delinquent Loans / Loans4.57%3.98%5.54%4.96%5.05%+48 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.18%3.85%3.35%2.99%5.14%+195 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 / Shares55.46%55.98%60.61%46.80%41.72%-1,375 bps
Liquid Assets / Assets28.40%33.58%40.44%50.82%54.82%+2,643 bps