PackageTrendsPeer
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Western Star

Kansas City, MO · Charter 64333

Q4 1996

$1.9MAssets
$1.7MLoans
$1.7MShares
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 3.29%, up 172 bps year over year.
  • Asset quality: problem loans at 16.48% of loans (+1,278 bps YoY).
  • Funding: loans stand at 97.19% of shares as of Q4 1996.

Financial Results

Return on Assets (quarter, annualized)

3.29%+172 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1994Q2 1995Q4 1995Q2 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets1.56%2.74%1.88%3.45%3.29%+172 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/a-13.41%-20.11%n/a
Loan Growth (YoY)n/an/an/a-11.77%-16.28%n/a
Share Growth (YoY)n/an/an/a-13.54%-15.28%n/a
Asset Quality
Delinquent Loans / Loans3.71%6.38%11.04%10.12%16.48%+1,278 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.18%3.12%4.32%4.00%4.68%+250 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 / Shares98.35%98.95%95.61%91.29%97.19%-116 bps
Liquid Assets / Assets9.29%1.34%4.70%3.61%3.94%-535 bps