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Letter portraitLegal landscapeQuarterYTD

Valley Credit Union

Rileyville,, VA · Charter 66964

Q4 1994

$218KAssets
$101KLoans
$190KShares
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 3.51%.
  • Asset quality: problem loans at 20.76% of loans.
  • Funding: loans stand at 53.30% of shares as of Q4 1994.

Financial Results

Return on Assets (YTD, annualized)

3.51%

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 1994YoY ΔTrend
Earnings
Return on Assets4.74%3.51%n/a
Return on Equityn/an/an/an/a
Net Interest Marginn/an/an/an/a
Efficiency Ration/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a
Loan Growth (YoY)n/an/an/an/a
Share Growth (YoY)n/an/an/an/a
Asset Quality
Delinquent Loans / Loans18.67%20.76%n/a
Net Charge-Offs / Loansn/an/an/an/a
Allowance / Loans1.94%1.98%n/a
Capital
Risk-Based Capitaln/an/an/an/a
Net Worth / Assetsn/an/an/an/a
Liquidity & Funding
Loans / Shares52.67%53.30%n/a
Liquid Assets / Assets8.23%8.71%n/a