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Stocktel

Stockton, CA · Charter 7638

Q2 1997

$20.2MAssets
$13.4MLoans
$16.9MShares
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 3.19%, down 47 bps year over year.
  • Asset quality: problem loans at 1.16% of loans (+94 bps YoY).
  • Funding: loans stand at 79.35% of shares as of Q2 1997.

Financial Results

Return on Assets (quarter, annualized)

3.19%-47 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets3.66%3.71%3.60%3.42%3.19%-47 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/a18.25%23.23%9.30%n/a
Loan Growth (YoY)n/an/a27.25%15.89%5.37%n/a
Share Growth (YoY)n/an/a20.69%27.47%10.10%n/a
Asset Quality
Delinquent Loans / Loans0.22%0.36%0.77%1.16%1.16%+94 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.00%1.06%0.90%0.84%0.85%-15 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 / Shares82.92%82.20%82.91%80.50%79.35%-357 bps
Liquid Assets / Assets18.04%16.20%14.48%16.54%12.68%-536 bps