PackageTrendsPeer
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Fidelity

Lincolnshire, IL · Charter 65892

Q2 1996

$2.8MAssets
$544KLoans
$2.3MShares
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 3.74%, up 16 bps year over year.
  • Asset quality: problem loans at 10.23% of loans (+812 bps YoY).
  • Funding: loans stand at 23.54% of shares as of Q2 1996.

Financial Results

Return on Assets (quarter, annualized)

3.74%+16 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 Assets3.58%3.86%3.92%4.02%3.74%+16 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-20.90%n/an/a
Loan Growth (YoY)n/an/an/an/a30.12%n/an/a
Share Growth (YoY)n/an/an/an/a-24.55%n/an/a
Asset Quality
Delinquent Loans / Loans2.11%2.29%6.37%10.23%10.23%+812 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans7.69%6.77%6.40%7.38%7.58%-12 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 / Shares13.65%18.65%22.90%21.96%23.54%+989 bps
Liquid Assets / Assets46.68%33.71%26.19%45.81%40.92%-575 bps