PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Credit Union First

Holland, MI · Charter 62254

Q4 1995

$5.3MAssets
$3.7MLoans
$4.8MShares
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 3.83%.
  • Asset quality: problem loans at 0.91% of loans.
  • Funding: loans stand at 77.02% of shares as of Q4 1995.

Financial Results

Return on Assets (YTD, annualized)

3.83%

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 Assets2.74%3.01%3.74%3.83%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 / Loans0.84%0.79%0.66%0.91%n/a
Net Charge-Offs / Loansn/an/an/an/an/an/a
Allowance / Loans1.33%1.19%1.31%1.20%n/a
Capital
Risk-Based Capitaln/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares77.84%84.42%78.29%77.02%n/a
Liquid Assets / Assets7.28%0.98%11.69%3.58%n/a