PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Toa Credit Union

Austin, TX · Charter 67919

Q4 1996

$1.3MAssets
$1.0MLoans
$1.1MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 3.36%, down 43 bps year over year.
  • Asset quality: problem loans at 7.04% of loans (+690 bps YoY).
  • Funding: loans stand at 89.22% of shares as of Q4 1996.

Return on Assets (quarter, annualized)

3.36%-43 bps YoY

Net Interest Margin (quarter, annualized)

n/a
n/a

Efficiency Ratio (quarter, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Discrete quarter, annualized.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets3.37%3.79%3.71%3.87%3.22%3.36%-43 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-18.28%-15.78%n/a
Loan Growth (YoY)n/an/an/an/a30.59%-4.03%n/a
Share Growth (YoY)n/an/an/an/a-22.29%-18.95%n/a
Asset Quality
Delinquent Loans / Loans3.50%0.14%4.21%2.45%5.19%7.04%+690 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/a
Allowance / Loans2.36%1.88%1.80%1.93%2.11%2.21%+32 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 / Shares56.11%75.35%89.49%85.75%94.29%89.22%+1,387 bps
Liquid Assets / Assets6.20%6.46%0.00%24.97%20.47%24.42%+1,796 bps