PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

S & S Machinery Credit Union

Cedar Bluff, VA · Charter 66960

Q2 1997

$1.6MAssets
$1.5MLoans
$1.3MShares
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 6.92%, down 90 bps year over year.
  • Asset quality: problem loans at 3.04% of loans (-81 bps YoY).
  • Funding: loans stand at 111.76% of shares as of Q2 1997.

Financial Results

Return on Assets (quarter, annualized)

6.92%-90 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets7.82%7.50%7.53%7.38%6.92%-90 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/a-4.24%-8.18%-0.50%n/a
Loan Growth (YoY)n/an/a12.07%13.53%-1.88%n/a
Share Growth (YoY)n/an/a-11.93%-15.80%-7.48%n/a
Asset Quality
Delinquent Loans / Loans3.85%3.18%2.99%3.67%3.04%-81 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.28%2.11%1.88%1.93%1.35%-93 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 / Shares105.38%103.39%108.64%113.43%111.76%+638 bps
Liquid Assets / Assets1.12%2.76%4.46%1.04%3.61%+249 bps