PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Family Savings

Gadsden, AL · Charter 7484

Q4 1996

$126.8MAssets
$88.7MLoans
$113.9MShares
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 4.57%, up 9 bps year over year.
  • Asset quality: problem loans at 1.12% of loans (+26 bps YoY).
  • Funding: loans stand at 77.89% of shares as of Q4 1996.

Financial Results

Return on Assets (YTD, annualized)

4.57%+9 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 1995Q1 1996Q2 1996Q3 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets4.48%4.51%4.54%n/a4.57%+9 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)12.87%10.38%8.46%8.07%6.44%-643 bps
Loan Growth (YoY)13.43%11.97%13.07%11.09%6.82%-661 bps
Share Growth (YoY)12.12%9.51%8.34%7.82%5.91%-622 bps
Asset Quality
Delinquent Loans / Loans0.85%0.99%1.08%1.16%1.12%+26 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.28%1.21%1.06%0.94%0.79%-49 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 / Shares77.22%75.16%76.32%77.31%77.89%+67 bps
Liquid Assets / Assets7.50%6.84%8.59%6.80%8.24%+74 bps