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A. F. Hospital Credit Union

American Fork, UT · Charter 67049

Q2 1996

$377KAssets
$198KLoans
$331KShares
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 3.04%, up 56 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (-1 bps YoY).
  • Funding: loans stand at 59.70% of shares as of Q2 1996.

Financial Results

Return on Assets (quarter, annualized)

3.04%+56 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets2.48%3.26%3.11%3.75%3.04%+56 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/an/an/a-7.26%n/an/a
Loan Growth (YoY)n/an/an/an/a-37.72%n/an/a
Share Growth (YoY)n/an/an/an/a-10.45%n/an/a
Asset Quality
Delinquent Loans / Loans0.01%0.55%0.38%0.44%0.00%-1 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.42%1.31%1.54%1.82%2.28%+86 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 / Shares85.83%105.85%86.50%82.01%59.70%-2,613 bps
Liquid Assets / Assets0.00%0.00%0.52%0.59%0.55%+55 bps