PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Employees Quality Linen Credit Un.

Salt Lake Cy, UT · Charter 67102

Q4 1995

$74KAssets
$63KLoans
$57KShares
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 3.03%, down 51 bps year over year.
  • Asset quality: problem loans at 10.05% of loans (+1,005 bps YoY).
  • Funding: loans stand at 110.24% of shares as of Q4 1995.

Financial Results

Return on Assets (YTD, annualized)

3.03%-51 bps YoY

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 1995Q3 1995Q4 1995YoY ΔTrend
Earnings
Return on Assets3.54%3.50%3.15%3.20%3.03%-51 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-18.33%n/an/a
Loan Growth (YoY)n/an/an/an/a-24.38%n/an/a
Share Growth (YoY)n/an/an/an/a-22.74%n/an/a
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%9.22%10.05%+1,005 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans4.15%4.18%4.86%5.36%5.84%+169 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 / Shares112.64%131.48%109.99%111.89%110.24%-239 bps
Liquid Assets / Assets0.48%0.44%0.42%1.41%0.49%+1 bps