PackageTrendsPeer
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Unocal Bakersfield

Bakersfield, CA · Charter 646

Q2 1996

$2.7MAssets
$1.8MLoans
$2.1MShares
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 3.63%, up 22 bps year over year.
  • Asset quality: problem loans at 2.23% of loans (+70 bps YoY).
  • Funding: loans stand at 82.76% of shares as of Q2 1996.

Financial Results

Return on Assets (YTD, annualized)

3.63%+22 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 Assets3.41%3.89%4.10%4.66%3.63%+22 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-26.94%n/an/a
Loan Growth (YoY)n/an/an/an/a13.72%n/an/a
Share Growth (YoY)n/an/an/an/a-33.31%n/an/a
Asset Quality
Delinquent Loans / Loans1.53%3.54%0.66%1.15%2.23%+70 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.33%1.57%1.58%1.74%1.68%+35 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 / Shares48.53%56.50%67.38%86.85%82.76%+3,423 bps
Liquid Assets / Assets53.14%46.78%37.79%24.47%31.99%-2,116 bps