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Niagara Lockport

Quincy, FL · Charter 67562

Q2 1995

$812KAssets
$646KLoans
$687KShares
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 4.69%.
  • Asset quality: problem loans at 0.06% of loans.
  • Funding: loans stand at 94.11% of shares as of Q2 1995.

Financial Results

Return on Assets (quarter, annualized)

4.69%

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1994Q4 1994Q2 1995YoY ΔTrend
Earnings
Return on Assets4.54%4.46%4.69%n/a
Return on Equityn/an/an/an/an/a
Net Interest Marginn/an/an/an/an/a
Efficiency Ration/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/an/a
Loan Growth (YoY)n/an/an/an/an/a
Share Growth (YoY)n/an/an/an/an/a
Asset Quality
Delinquent Loans / Loans0.08%0.02%0.06%n/a
Net Charge-Offs / Loansn/an/an/an/an/a
Allowance / Loans1.80%1.87%1.71%n/a
Capital
Risk-Based Capitaln/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/a
Liquidity & Funding
Loans / Shares73.81%77.09%94.11%n/a
Liquid Assets / Assets19.32%15.43%11.26%n/a