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Letter portraitLegal landscapeQuarterYTD

American Paper Emp. Credit Union

Salt Lake Cy, UT · Charter 67093

Q2 1996

$250KAssets
$165KLoans
$222KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 6.23%, up 83 bps year over year.
  • Asset quality: problem loans at 8.52% of loans (+852 bps YoY).
  • Funding: loans stand at 74.59% of shares as of Q2 1996.

Return on Assets (quarter, annualized)

6.23%+83 bps YoY

Net Interest Margin (quarter, annualized)

n/a
n/a

Efficiency Ratio (quarter, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Discrete quarter, annualized.

MetricQ2 1994Q4 1994Q2 1995Q3 1995Q4 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets5.23%5.41%5.12%5.36%5.94%6.23%+83 bps
Return on Equityn/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a1.95%22.47%n/a
Loan Growth (YoY)n/an/an/an/a-10.65%-9.93%n/a
Share Growth (YoY)n/an/an/an/a3.76%24.79%n/a
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.77%0.63%0.69%8.52%+852 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/a
Allowance / Loans1.55%2.18%2.03%2.04%2.52%2.95%+77 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares103.54%103.34%97.85%96.87%89.16%74.59%-2,875 bps
Liquid Assets / Assets6.97%8.22%11.82%7.38%18.21%29.56%+2,134 bps