PackageTrendsPeer
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Mountain Bell

Colorado Spri, CO · Charter 6327

Q2 1996

$41.3MAssets
$27.1MLoans
$36.8MShares
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 4.13%, up 94 bps year over year.
  • Asset quality: problem loans at 0.33% of loans (+20 bps YoY).
  • Funding: loans stand at 73.67% of shares as of Q2 1996.

Financial Results

Return on Assets (YTD, annualized)

4.13%+94 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.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets3.20%3.27%3.93%4.02%4.13%+94 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/a21.91%n/an/a
Loan Growth (YoY)n/an/an/an/a12.51%n/an/a
Share Growth (YoY)n/an/an/an/a23.71%n/an/a
Asset Quality
Delinquent Loans / Loans0.13%0.15%0.35%0.34%0.33%+20 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.90%0.85%0.79%0.58%0.53%-37 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 / Shares81.00%80.90%80.97%77.30%73.67%-733 bps
Liquid Assets / Assets18.44%19.37%20.58%25.08%27.91%+947 bps