PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Curtis 1000 Employees

Cleveland, OH · Charter 63415

Q2 1996

$69KAssets
$32KLoans
$60KShares
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 3.06%, up 176 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (-50 bps YoY).
  • Funding: loans stand at 53.29% of shares as of Q2 1996.

Financial Results

Return on Assets (YTD, annualized)

3.06%+176 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 Assets1.30%1.89%1.83%2.56%3.06%+176 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/a-31.51%n/an/a
Loan Growth (YoY)n/an/an/an/a17.51%n/an/a
Share Growth (YoY)n/an/an/an/a-34.95%n/an/a
Asset Quality
Delinquent Loans / Loans0.50%0.00%0.00%0.00%0.00%-50 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans5.63%2.99%3.77%3.73%4.79%-84 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 / Shares29.50%69.80%41.16%48.61%53.29%+2,379 bps
Liquid Assets / Assets64.60%23.64%52.13%43.49%43.67%-2,093 bps