PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Farm Workers

Keene, CA · Charter 65675

Q4 1995

$1.6MAssets
$248KLoans
$1.4MShares
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 3.69%.
  • Asset quality: problem loans at 6.52% of loans.
  • Funding: loans stand at 17.25% of shares as of Q4 1995.

Financial Results

Return on Assets (YTD, annualized)

3.69%

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.

MetricQ2 1994Q4 1994Q2 1995Q4 1995YoY ΔTrend
Earnings
Return on Assets2.51%3.33%4.10%3.69%n/a
Return on Equityn/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/an/an/a
Loan Growth (YoY)n/an/an/an/an/an/a
Share Growth (YoY)n/an/an/an/an/an/a
Asset Quality
Delinquent Loans / Loans2.05%7.23%1.84%6.52%n/a
Net Charge-Offs / Loansn/an/an/an/an/an/a
Allowance / Loans2.89%3.37%3.36%5.37%n/a
Capital
Risk-Based Capitaln/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares40.70%35.78%23.36%17.25%n/a
Liquid Assets / Assets55.87%63.94%77.90%83.80%n/a