PackageTrendsPeer
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Bell Tech

Chicago, IL · Charter 61788

Q4 1996

$11.1MAssets
$7.9MLoans
$10.2MShares
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 1.72%, down 251 bps year over year.
  • Asset quality: problem loans at 5.64% of loans (+313 bps YoY).
  • Funding: loans stand at 77.50% of shares as of Q4 1996.

Financial Results

Return on Assets (YTD, annualized)

1.72%-251 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 Assets4.23%4.64%4.33%3.85%1.72%-251 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-8.09%-22.83%n/a
Loan Growth (YoY)n/an/an/a9.39%-13.56%n/a
Share Growth (YoY)n/an/an/a-9.65%-15.03%n/a
Asset Quality
Delinquent Loans / Loans2.51%2.72%5.02%2.70%5.64%+313 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.79%2.25%1.84%2.05%4.88%+309 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 / Shares76.18%73.46%78.60%75.02%77.50%+133 bps
Liquid Assets / Assets15.64%17.06%11.43%11.84%7.57%-808 bps