PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Healthcare Systems Employees C. U.

Falls Church, VA · Charter 66362

Q4 1995

$17.9MAssets
$14.9MLoans
$16.7MShares
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 4.02%.
  • Asset quality: problem loans at 1.37% of loans.
  • Funding: loans stand at 89.31% of shares as of Q4 1995.

Financial Results

Return on Assets (YTD, annualized)

4.02%

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 Assets3.18%3.21%3.80%4.02%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 / Loans0.85%1.09%1.25%1.37%n/a
Net Charge-Offs / Loansn/an/an/an/an/an/a
Allowance / Loans0.78%0.74%0.82%1.25%n/a
Capital
Risk-Based Capitaln/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares81.57%94.87%93.67%89.31%n/a
Liquid Assets / Assets16.38%10.35%6.27%10.15%n/a