PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Uni Employees

Uniontown, PA · Charter 65643

Q4 1996

$232KAssets
$157KLoans
$210KShares
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 2.88%, down 110 bps year over year.
  • Asset quality: problem loans at 1.52% of loans (+152 bps YoY).
  • Funding: loans stand at 75.01% of shares as of Q4 1996.

Financial Results

Return on Assets (YTD, annualized)

2.88%-110 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 Assets3.98%2.93%3.89%2.43%2.88%-110 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/a9.48%8.81%n/a
Loan Growth (YoY)n/an/an/a-13.56%-6.24%n/a
Share Growth (YoY)n/an/an/a7.78%8.68%n/a
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%1.96%1.52%+152 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.35%1.56%1.69%1.66%1.63%+28 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 / Shares86.94%59.14%64.13%57.44%75.01%-1,194 bps
Liquid Assets / Assets14.65%42.98%39.64%40.02%29.79%+1,514 bps