PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Salem Postal

Salem, OR · Charter 64124

Q4 1995

$7.3MAssets
$5.5MLoans
$6.7MShares
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 4.26%.
  • Asset quality: problem loans at 0.26% of loans.
  • Funding: loans stand at 83.21% of shares as of Q4 1995.

Financial Results

Return on Assets (YTD, annualized)

4.26%

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 Assets3.90%4.09%4.17%4.26%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 / Loans0.04%0.00%0.00%0.26%n/a
Net Charge-Offs / Loansn/an/an/an/an/an/a
Allowance / Loans0.51%0.57%0.61%0.70%n/a
Capital
Risk-Based Capitaln/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares83.45%87.22%82.71%83.21%n/a
Liquid Assets / Assets14.48%9.16%15.96%16.94%n/a