PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Richardson Postal Credit Union

Richardson, TX · Charter 67584

Q2 1996

$1.4MAssets
$1.2MLoans
$1.1MShares
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 4.73%, up 145 bps year over year.
  • Asset quality: problem loans at 0.42% of loans (-72 bps YoY).
  • Funding: loans stand at 110.93% of shares as of Q2 1996.

Financial Results

Return on Assets (YTD, annualized)

4.73%+145 bps YoY

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 1994Q2 1995Q4 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets3.28%3.80%5.07%4.94%4.73%+145 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-19.86%n/an/a
Loan Growth (YoY)n/an/an/an/a21.84%n/an/a
Share Growth (YoY)n/an/an/an/a-27.63%n/an/a
Asset Quality
Delinquent Loans / Loans1.14%1.56%0.00%1.45%0.42%-72 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.80%2.47%1.38%1.60%1.60%-20 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 / Shares65.89%83.85%101.81%112.38%110.93%+4,504 bps
Liquid Assets / Assets39.51%25.91%14.96%6.62%10.35%-2,916 bps