PackageTrendsPeer
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Macon Oil Processors

Macon, GA · Charter 61600

Q4 1995

$1.3MAssets
$648KLoans
$1.1MShares
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 7.47%.
  • Asset quality: problem loans at 7.48% of loans.
  • Funding: loans stand at 59.43% of shares as of Q4 1995.

Financial Results

Return on Assets (YTD, annualized)

7.47%

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 Assets5.77%6.29%6.54%7.47%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 / Loans1.19%1.70%3.35%7.48%n/a
Net Charge-Offs / Loansn/an/an/an/an/an/a
Allowance / Loans5.10%5.47%6.19%7.72%n/a
Capital
Risk-Based Capitaln/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares39.45%41.81%56.60%59.43%n/a
Liquid Assets / Assets31.80%27.54%41.44%36.70%n/a