PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Tribune Employees

Chicago, IL · Charter 81709

Q4 1996

$6.4MAssets
$5.0MLoans
$5.8MShares
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 -1.62%, down 429 bps year over year.
  • Asset quality: problem loans at 12.71% of loans (+1,226 bps YoY).
  • Funding: loans stand at 86.03% of shares as of Q4 1996.

Financial Results

Return on Assets (quarter, annualized)

-1.62%-429 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1994Q2 1995Q4 1995Q2 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets2.67%2.84%2.82%-0.03%-1.62%-429 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/a-5.81%-10.85%n/a
Loan Growth (YoY)n/an/an/a21.18%23.72%n/a
Share Growth (YoY)n/an/an/a-7.10%-9.15%n/a
Asset Quality
Delinquent Loans / Loans0.45%0.66%0.33%3.89%12.71%+1,226 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.15%1.81%1.04%2.25%5.69%+354 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 / Shares63.17%64.01%73.13%80.47%86.03%+2,286 bps
Liquid Assets / Assets11.36%16.80%10.80%14.27%19.77%+840 bps