PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

U.F.C.W. Local #324

Buena Park, CA · Charter 8087

Q2 1996

$3.7MAssets
$1.8MLoans
$3.1MShares
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 3.60%, up 96 bps year over year.
  • Asset quality: problem loans at 0.05% of loans (+5 bps YoY).
  • Funding: loans stand at 57.11% of shares as of Q2 1996.

Financial Results

Return on Assets (quarter, annualized)

3.60%+96 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets2.63%2.43%2.20%2.53%3.60%+96 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/an/a-5.36%n/an/a
Loan Growth (YoY)n/an/an/an/a7.52%n/an/a
Share Growth (YoY)n/an/an/an/a-6.25%n/an/a
Asset Quality
Delinquent Loans / Loans0.00%0.63%0.00%0.08%0.05%+5 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.25%0.63%0.62%0.53%0.37%+12 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 / Shares49.79%47.46%54.97%61.52%57.11%+732 bps
Liquid Assets / Assets51.50%54.94%48.25%45.12%48.14%-336 bps