PackageTrendsPeer
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St. Jude Employees

Memphis, TN · Charter 67670

Q4 1996

$3.6MAssets
$2.3MLoans
$3.3MShares
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 3.50%, up 3 bps year over year.
  • Asset quality: problem loans at 3.57% of loans (+321 bps YoY).
  • Funding: loans stand at 69.05% of shares as of Q4 1996.

Financial Results

Return on Assets (quarter, annualized)

3.50%+3 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 Assets3.47%3.73%3.30%3.43%3.50%+3 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/a14.70%9.63%n/a
Loan Growth (YoY)n/an/an/a-19.41%-17.10%n/a
Share Growth (YoY)n/an/an/a17.85%8.58%n/a
Asset Quality
Delinquent Loans / Loans0.36%2.92%5.33%4.25%3.57%+321 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.73%0.71%0.94%0.97%1.05%+32 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 / Shares90.43%80.05%70.74%63.63%69.05%-2,139 bps
Liquid Assets / Assets13.10%6.32%12.52%22.00%19.80%+670 bps