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Webster

Webster, MA · Charter 66356

Q3 1995

$197.2MAssets
$104.2MLoans
$176.5MShares
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 4.62%, up 19 bps year over year.
  • Asset quality: problem loans at 1.34% of loans (+1 bps YoY).
  • Funding: loans stand at 59.01% of shares as of Q3 1995.

Financial Results

Return on Assets (quarter, annualized)

4.62%+19 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ3 1994Q4 1994Q1 1995Q2 1995Q3 1995YoY ΔTrend
Earnings
Return on Assets4.43%4.49%4.64%4.72%4.62%+19 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/a1.87%1.14%4.70%n/a
Loan Growth (YoY)n/an/a19.22%22.39%20.97%n/a
Share Growth (YoY)n/an/a0.59%-0.70%3.22%n/a
Asset Quality
Delinquent Loans / Loans1.33%1.09%0.89%1.05%1.34%+1 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.31%1.26%1.25%1.25%1.21%-10 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 / Shares50.35%53.58%55.35%58.45%59.01%+866 bps
Liquid Assets / Assets13.64%13.03%11.10%16.75%13.38%-26 bps