PackageTrendsPeer
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Greylock

Pittsfield, MA · Charter 65596

Q3 1995

$277.4MAssets
$186.2MLoans
$245.0MShares
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 4.41%, up 34 bps year over year.
  • Asset quality: problem loans at 0.29% of loans (+1 bps YoY).
  • Funding: loans stand at 75.97% of shares as of Q3 1995.

Financial Results

Return on Assets (YTD, annualized)

4.41%+34 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.

MetricQ3 1994Q4 1994Q1 1995Q2 1995Q3 1995YoY ΔTrend
Earnings
Return on Assets4.08%4.20%4.35%4.44%4.41%+34 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/a-2.97%-1.24%1.35%n/a
Loan Growth (YoY)n/an/a30.22%31.11%29.44%n/a
Share Growth (YoY)n/an/a-3.70%-2.27%-0.28%n/a
Asset Quality
Delinquent Loans / Loans0.29%0.06%0.14%0.20%0.29%+1 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.01%0.96%0.98%0.94%1.00%-1 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 / Shares58.52%63.95%67.38%72.19%75.97%+1,744 bps
Liquid Assets / Assets18.42%17.11%18.70%20.23%14.71%-370 bps