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NTD Credit Union

Wichita Falls, TX · Charter 67518

Q4 1996

$104KAssets
$72KLoans
$91KShares
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 4.29%, up 31 bps year over year.
  • Asset quality: problem loans at 3.73% of loans (-144 bps YoY).
  • Funding: loans stand at 79.57% of shares as of Q4 1996.

Financial Results

Return on Assets (quarter, annualized)

4.29%+31 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1994Q2 1995Q4 1995Q2 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets3.98%4.93%5.88%3.37%4.29%+31 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/a-16.79%-30.93%n/a
Loan Growth (YoY)n/an/an/a-19.29%-51.71%n/a
Share Growth (YoY)n/an/an/a-16.50%-12.03%n/a
Asset Quality
Delinquent Loans / Loans5.17%5.60%13.07%16.77%3.73%-144 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.90%1.86%2.22%3.94%5.74%+384 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 / Shares144.94%147.14%128.63%123.47%79.57%-6,537 bps
Liquid Assets / Assets0.00%0.98%1.12%4.22%1.30%+130 bps