PackageTrendsPeer
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Diesel Electric

Jacksonville, FL · Charter 67722

Q2 1996

$768KAssets
$626KLoans
$630KShares
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 4.04%, up 33 bps year over year.
  • Asset quality: problem loans at 1.83% of loans (-11 bps YoY).
  • Funding: loans stand at 99.37% of shares as of Q2 1996.

Financial Results

Return on Assets (YTD, annualized)

4.04%+33 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 Assets3.71%4.69%5.87%5.95%4.04%+33 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-29.47%n/an/a
Loan Growth (YoY)n/an/an/an/a-3.01%n/an/a
Share Growth (YoY)n/an/an/an/a-35.56%n/an/a
Asset Quality
Delinquent Loans / Loans1.94%0.07%1.19%4.92%1.83%-11 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.92%1.69%1.71%1.86%2.46%+54 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 / Shares66.02%88.51%108.74%103.24%99.37%+3,335 bps
Liquid Assets / Assets32.96%21.33%2.60%11.88%17.49%-1,548 bps