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Letter portraitLegal landscapeQuarterYTD

Galigher Employees Credit Union

Salt Lake Cy, UT · Charter 67104

Q4 1995

$777KAssets
$780KLoans
$654KShares
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 0.50%, down 230 bps year over year.
  • Asset quality: problem loans at 10.39% of loans (+740 bps YoY).
  • Funding: loans stand at 119.27% of shares as of Q4 1995.

Financial Results

Return on Assets (quarter, annualized)

0.50%-230 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 1995Q3 1995Q4 1995YoY ΔTrend
Earnings
Return on Assets2.79%2.79%3.39%0.63%0.50%-230 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-15.55%n/an/a
Loan Growth (YoY)n/an/an/an/a-0.73%n/an/a
Share Growth (YoY)n/an/an/an/a-19.95%n/an/a
Asset Quality
Delinquent Loans / Loans3.00%5.28%5.49%9.45%10.39%+740 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.60%1.59%0.61%2.83%4.05%+245 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 / Shares96.17%116.47%113.87%113.35%119.27%+2,309 bps
Liquid Assets / Assets11.82%0.56%0.60%0.61%0.59%-1,123 bps