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Stockton Record

Stockton, CA · Charter 64661

Q4 1996

$237KAssets
$183KLoans
$207KShares
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 0.99%, up 78 bps year over year.
  • Asset quality: problem loans at 1.56% of loans (-152 bps YoY).
  • Funding: loans stand at 88.63% of shares as of Q4 1996.

Financial Results

Return on Assets (quarter, annualized)

0.99%+78 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 Assets0.22%0.33%0.32%0.26%0.99%+78 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/a1.81%4.99%n/a
Loan Growth (YoY)n/an/an/a1.11%-15.05%n/a
Share Growth (YoY)n/an/an/a6.45%12.76%n/a
Asset Quality
Delinquent Loans / Loans3.08%2.47%0.00%0.64%1.56%-152 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.57%1.76%0.59%0.64%0.03%-155 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 / Shares117.63%102.40%100.65%100.35%88.63%-2,901 bps
Liquid Assets / Assets2.48%2.50%11.69%11.53%4.76%+228 bps