PackageTrendsPeer
Letter portraitLegal landscape

East Bay Industrial

Bristol, RI · Charter 67281

Q4 1994

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 1994, the quarter ended December 31, 1994, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

East Bay Industrial

Bristol, RI · Charter 67281

Q4 1994

$1.5MAssets
$777KLoans
$1.3MShares
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 0.52%.
  • Asset quality: problem loans at 2.96% of loans.
  • Funding: loans stand at 60.77% of shares as of Q4 1994.

Financial Results

Return on Assets (YTD, annualized)

0.52%

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 1994YoY ΔTrend
Earnings
Return on Assets0.41%0.52%n/a
Return on Equityn/an/an/an/a
Net Interest Marginn/an/an/an/a
Efficiency Ration/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a
Loan Growth (YoY)n/an/an/an/a
Share Growth (YoY)n/an/an/an/a
Asset Quality
Delinquent Loans / Loans4.76%2.96%n/a
Net Charge-Offs / Loansn/an/an/an/a
Allowance / Loans4.97%4.18%n/a
Capital
Risk-Based Capitaln/an/an/an/a
Net Worth / Assetsn/an/an/an/a
Liquidity & Funding
Loans / Shares54.66%60.77%n/a
Liquid Assets / Assets9.22%-4.58%n/a