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Stanhome Associates

Easthampton, MA · Charter 7815

Q2 1995

$3.0MAssets
$1.1MLoans
$2.5MShares
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 -16.15%.
  • Asset quality: problem loans at 2.89% of loans.
  • Funding: loans stand at 43.57% of shares as of Q2 1995.

Financial Results

Return on Assets (quarter, annualized)

-16.15%

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1994Q4 1994Q2 1995YoY ΔTrend
Earnings
Return on Assets2.44%2.79%-16.15%n/a
Return on Equityn/an/an/an/an/a
Net Interest Marginn/an/an/an/an/a
Efficiency Ration/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/an/a
Loan Growth (YoY)n/an/an/an/an/a
Share Growth (YoY)n/an/an/an/an/a
Asset Quality
Delinquent Loans / Loans1.65%2.64%2.89%n/a
Net Charge-Offs / Loansn/an/an/an/an/a
Allowance / Loans0.85%0.96%14.78%n/a
Capital
Risk-Based Capitaln/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/a
Liquidity & Funding
Loans / Shares46.17%47.05%43.57%n/a
Liquid Assets / Assets46.70%49.94%64.75%n/a