PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Christian Credit Union

Coffeyville, KS · Charter 67906

Q2 1996

$122KAssets
$79KLoans
$106KShares
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 1.62%, down 58 bps year over year.
  • Asset quality: problem loans at 6.48% of loans (+373 bps YoY).
  • Funding: loans stand at 74.06% of shares as of Q2 1996.

Financial Results

Return on Assets (YTD, annualized)

1.62%-58 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 Assets2.20%2.33%1.45%-0.04%1.62%-58 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-14.50%n/an/a
Loan Growth (YoY)n/an/an/an/a-35.59%n/an/a
Share Growth (YoY)n/an/an/an/a-14.13%n/an/a
Asset Quality
Delinquent Loans / Loans2.76%3.55%3.80%9.50%6.48%+373 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.96%2.19%1.14%4.21%3.01%+105 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 / Shares98.74%93.58%93.20%89.58%74.06%-2,467 bps
Liquid Assets / Assets0.13%7.16%0.44%0.53%0.72%+59 bps