PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Nyco

Chicago, IL · Charter 65527

Q2 1996

$509KAssets
$179KLoans
$416KShares
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 4.11%, up 231 bps year over year.
  • Asset quality: problem loans at 3.85% of loans (-600 bps YoY).
  • Funding: loans stand at 43.04% of shares as of Q2 1996.

Financial Results

Return on Assets (quarter, annualized)

4.11%+231 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets1.80%-1.18%5.23%5.60%4.11%+231 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-56.33%n/an/a
Loan Growth (YoY)n/an/an/an/a-36.68%n/an/a
Share Growth (YoY)n/an/an/an/a-61.04%n/an/a
Asset Quality
Delinquent Loans / Loans9.85%3.24%0.97%5.29%3.85%-600 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.16%1.00%5.21%6.91%9.10%+895 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 / Shares26.48%37.96%39.14%41.26%43.04%+1,656 bps
Liquid Assets / Assets10.32%-22.42%5.02%28.60%36.82%+2,650 bps