PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Orbit Savings & Credit Association

Helen, GA · Charter 67404

Q4 1996

$450KAssets
$293KLoans
$229KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 5.06%, down 43 bps year over year.
  • Asset quality: problem loans at 18.30% of loans (+1,783 bps YoY).
  • Funding: loans stand at 127.90% of shares as of Q4 1996.

Return on Assets (YTD, annualized)

5.06%-43 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets6.87%5.49%6.45%6.24%5.08%5.06%-43 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/a-31.20%-42.57%n/a
Loan Growth (YoY)n/an/an/an/a-24.54%-47.78%n/a
Share Growth (YoY)n/an/an/an/a-45.31%-62.62%n/a
Asset Quality
Delinquent Loans / Loans0.31%0.47%0.38%2.93%0.46%18.30%+1,783 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/a
Allowance / Loans1.64%1.80%2.02%2.32%2.60%3.36%+157 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 / Shares81.63%91.57%74.99%95.43%112.62%127.90%+3,633 bps
Liquid Assets / Assets34.69%28.78%40.17%33.18%29.11%35.90%+712 bps