PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Local 98 IBEW

Philadelphia, PA · Charter 61805

Q4 1996

$1.4MAssets
$1.0MLoans
$1.3MShares
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 2.71%, up 119 bps year over year.
  • Asset quality: problem loans at 2.23% of loans (-298 bps YoY).
  • Funding: loans stand at 77.74% of shares as of Q4 1996.

Financial Results

Return on Assets (YTD, annualized)

2.71%+119 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 Assets1.52%4.65%4.02%2.74%2.71%+119 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/a24.36%14.45%n/a
Loan Growth (YoY)n/an/an/a8.36%33.50%n/a
Share Growth (YoY)n/an/an/a21.88%11.67%n/a
Asset Quality
Delinquent Loans / Loans5.21%1.44%0.66%1.16%2.23%-298 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans4.59%3.62%3.80%5.08%4.36%-23 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 / Shares65.03%58.93%61.64%58.55%77.74%+1,271 bps
Liquid Assets / Assets22.40%45.29%36.87%44.12%24.70%+229 bps