PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Soya

Marion, OH · Charter 7175

Q4 1996

$352KAssets
$281KLoans
$167KShares
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 4.70%, down 27 bps year over year.
  • Asset quality: problem loans at 1.85% of loans (+150 bps YoY).
  • Funding: loans stand at 168.51% of shares as of Q4 1996.

Financial Results

Return on Assets (YTD, annualized)

4.70%-27 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 Assets4.97%4.75%4.79%5.12%4.70%-27 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-32.37%-36.94%n/a
Loan Growth (YoY)n/an/an/a-3.26%-23.65%n/a
Share Growth (YoY)n/an/an/a-47.57%-56.82%n/a
Asset Quality
Delinquent Loans / Loans0.35%1.73%0.87%1.17%1.85%+150 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.93%1.80%2.07%1.93%3.71%+178 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 / Shares95.31%138.84%128.87%142.00%168.51%+7,320 bps
Liquid Assets / Assets11.50%4.46%4.64%8.38%2.45%-906 bps