PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Pure Milk Employees Credit Union

Waco, TX · Charter 67590

Q4 1996

$119KAssets
$46KLoans
$96KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 2.72%, down 122 bps year over year.
  • Asset quality: problem loans at 5.17% of loans (+517 bps YoY).
  • Funding: loans stand at 48.48% of shares as of Q4 1996.

Return on Assets (YTD, annualized)

2.72%-122 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 Assets1.99%3.94%4.23%4.14%2.21%2.72%-122 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-16.26%-20.38%n/a
Loan Growth (YoY)n/an/an/an/a-53.51%-48.01%n/a
Share Growth (YoY)n/an/an/an/a-21.24%-24.84%n/a
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%1.83%0.00%5.17%+517 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/a
Allowance / Loans0.60%2.00%3.43%4.98%7.62%8.45%+645 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 / Shares90.23%70.08%88.02%70.96%53.26%48.48%-2,160 bps
Liquid Assets / Assets21.74%0.00%19.76%20.31%16.72%48.96%+4,896 bps