PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Staunton Emp Credit Union Inc.

Staunton, VA · Charter 66989

Q2 1995

$1.6MAssets
$1.5MLoans
$1.7MShares
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 -14.86%.
  • Asset quality: problem loans at 27.77% of loans.
  • Funding: loans stand at 87.08% of shares as of Q2 1995.

Financial Results

Return on Assets (YTD, annualized)

-14.86%

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 1995YoY ΔTrend
Earnings
Return on Assets6.34%6.43%-14.86%n/a
Return on Equityn/an/an/an/an/a
Net Interest Marginn/an/an/an/an/a
Efficiency Ration/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/an/a
Loan Growth (YoY)n/an/an/an/an/a
Share Growth (YoY)n/an/an/an/an/a
Asset Quality
Delinquent Loans / Loans2.56%3.87%27.77%n/a
Net Charge-Offs / Loansn/an/an/an/an/a
Allowance / Loans0.91%1.06%12.45%n/a
Capital
Risk-Based Capitaln/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/a
Liquidity & Funding
Loans / Shares84.20%89.99%87.08%n/a
Liquid Assets / Assets17.10%7.46%22.85%n/a