PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

General Chemical Employees

Baker, LA · Charter 62570

Q2 1996

$788KAssets
$477KLoans
$733KShares
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 3.45%, up 36 bps year over year.
  • Asset quality: problem loans at 4.72% of loans (+472 bps YoY).
  • Funding: loans stand at 65.08% of shares as of Q2 1996.

Financial Results

Return on Assets (quarter, annualized)

3.45%+36 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets3.09%3.51%4.66%2.18%3.45%+36 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/an/a43.33%n/an/a
Loan Growth (YoY)n/an/an/an/a8.47%n/an/a
Share Growth (YoY)n/an/an/an/a53.04%n/an/a
Asset Quality
Delinquent Loans / Loans0.00%2.05%0.00%7.01%4.72%+472 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.44%0.46%0.42%3.22%2.52%+208 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 / Shares91.82%91.21%103.07%48.62%65.08%-2,674 bps
Liquid Assets / Assets9.17%9.48%0.00%0.00%0.00%-917 bps