PackageTrendsPeer
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Des

Phoenix, AZ · Charter 6771

Q4 1996

$4.9MAssets
$2.9MLoans
$4.2MShares
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 3.09%, up 18 bps year over year.
  • Asset quality: problem loans at 0.13% of loans (-16 bps YoY).
  • Funding: loans stand at 69.78% of shares as of Q4 1996.

Financial Results

Return on Assets (YTD, annualized)

3.09%+18 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.

MetricQ4 1994Q2 1995Q4 1995Q2 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets2.91%2.95%3.06%3.05%3.09%+18 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-6.59%-4.70%n/a
Loan Growth (YoY)n/an/an/a42.19%44.80%n/a
Share Growth (YoY)n/an/an/a-8.32%-6.27%n/a
Asset Quality
Delinquent Loans / Loans0.29%0.45%0.18%0.14%0.13%-16 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.82%0.60%0.62%0.62%0.61%-21 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 / Shares45.17%54.52%67.19%67.57%69.78%+2,461 bps
Liquid Assets / Assets10.46%8.87%13.29%14.94%17.00%+654 bps