PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Guardsman Employees

Grand Rapids, MI · Charter 61894

Q4 1995

$1.7MAssets
$1.4MLoans
$1.5MShares
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 5.20%.
  • Asset quality: problem loans at 6.25% of loans.
  • Funding: loans stand at 92.70% of shares as of Q4 1995.

Financial Results

Return on Assets (YTD, annualized)

5.20%

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 Assets3.97%4.54%5.09%5.20%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 / Loans1.32%2.13%3.18%6.25%n/a
Net Charge-Offs / Loansn/an/an/an/an/an/a
Allowance / Loans2.09%2.39%1.93%1.94%n/a
Capital
Risk-Based Capitaln/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares75.20%81.78%89.57%92.70%n/a
Liquid Assets / Assets3.05%7.32%11.18%12.28%n/a