PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

St. Gemma Parish

Detroit, MI · Charter 62250

Q4 1995

$216KAssets
$123KLoans
$176KShares
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 3.04%.
  • Asset quality: problem loans at 0.10% of loans.
  • Funding: loans stand at 70.12% of shares as of Q4 1995.

Financial Results

Return on Assets (YTD, annualized)

3.04%

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 Assets2.82%3.11%2.78%3.04%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 / Loans1.89%2.23%2.21%0.10%n/a
Net Charge-Offs / Loansn/an/an/an/an/an/a
Allowance / Loans1.68%1.77%2.06%2.43%n/a
Capital
Risk-Based Capitaln/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares83.23%86.33%78.35%70.12%n/a
Liquid Assets / Assets13.30%10.34%20.11%27.12%n/a