PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Central Vermont Railway Employees

St. Albans, VT · Charter 63693

Q4 1994

$1.4MAssets
$656KLoans
$1.3MShares
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 2.64%.
  • Asset quality: problem loans at 3.05% of loans.
  • Funding: loans stand at 51.84% of shares as of Q4 1994.

Financial Results

Return on Assets (YTD, annualized)

2.64%

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 1994YoY ΔTrend
Earnings
Return on Assets2.18%2.64%n/a
Return on Equityn/an/an/an/a
Net Interest Marginn/an/an/an/a
Efficiency Ration/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a
Loan Growth (YoY)n/an/an/an/a
Share Growth (YoY)n/an/an/an/a
Asset Quality
Delinquent Loans / Loans4.13%3.05%n/a
Net Charge-Offs / Loansn/an/an/an/a
Allowance / Loans1.57%1.23%n/a
Capital
Risk-Based Capitaln/an/an/an/a
Net Worth / Assetsn/an/an/an/a
Liquidity & Funding
Loans / Shares48.82%51.84%n/a
Liquid Assets / Assets26.71%45.49%n/a