PackageTrendsPeer
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Baxter

Deerfield, IL · Charter 81319

Q3 1995

$367.1MAssets
$282.2MLoans
$336.7MShares
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 4.79%, up 6 bps year over year.
  • Asset quality: problem loans at 0.50% of loans (+23 bps YoY).
  • Funding: loans stand at 83.82% of shares as of Q3 1995.

Financial Results

Return on Assets (quarter, annualized)

4.79%+6 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ3 1994Q4 1994Q1 1995Q2 1995Q3 1995YoY ΔTrend
Earnings
Return on Assets4.73%4.80%4.80%4.70%4.79%+6 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/a9.88%16.37%17.87%n/a
Loan Growth (YoY)n/an/a10.00%5.60%4.23%n/a
Share Growth (YoY)n/an/a9.03%16.23%18.26%n/a
Asset Quality
Delinquent Loans / Loans0.27%0.20%0.34%0.49%0.50%+23 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.80%0.77%0.83%0.79%0.79%-1 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 / Shares95.10%97.56%87.65%81.77%83.82%-1,128 bps
Liquid Assets / Assets8.29%6.50%15.46%20.20%18.39%+1,010 bps