PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Plumbers Local #27

Pittsburgh, PA · Charter 64934

Q4 1996

$888KAssets
$611KLoans
$815KShares
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 4.43%, down 25 bps year over year.
  • Asset quality: problem loans at 0.28% of loans (-82 bps YoY).
  • Funding: loans stand at 75.02% of shares as of Q4 1996.

Financial Results

Return on Assets (YTD, annualized)

4.43%-25 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.

MetricQ4 1994Q2 1995Q4 1995Q2 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets4.68%5.07%4.82%4.91%4.43%-25 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/a19.38%26.52%n/a
Loan Growth (YoY)n/an/an/a23.53%10.84%n/a
Share Growth (YoY)n/an/an/a19.01%27.58%n/a
Asset Quality
Delinquent Loans / Loans1.10%1.14%0.82%0.77%0.28%-82 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.64%1.32%1.92%1.93%2.24%+61 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 / Shares86.35%95.15%86.99%77.23%75.02%-1,133 bps
Liquid Assets / Assets19.42%14.39%23.16%31.27%29.03%+961 bps