PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Honeywell Employees

Arlington Hgh, IL · Charter 81131

Q2 1996

$1.6MAssets
$723KLoans
$1.1MShares
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 4.93%, up 138 bps year over year.
  • Asset quality: problem loans at 2.34% of loans (+211 bps YoY).
  • Funding: loans stand at 64.68% of shares as of Q2 1996.

Financial Results

Return on Assets (quarter, annualized)

4.93%+138 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 Assets3.55%3.81%5.50%4.96%4.93%+138 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-8.71%n/an/a
Loan Growth (YoY)n/an/an/an/a29.01%n/an/a
Share Growth (YoY)n/an/an/an/a-14.87%n/an/a
Asset Quality
Delinquent Loans / Loans0.23%0.16%0.13%2.50%2.34%+211 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.66%0.48%0.39%0.78%0.91%+25 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 / Shares42.68%64.53%87.42%76.98%64.68%+2,200 bps
Liquid Assets / Assets47.57%21.45%18.44%18.72%29.18%-1,839 bps