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U.S. Shoe (Vevay)

Vevay, IN · Charter 82790

Q2 1996

$179KAssets
$37KLoans
$162KShares
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 1.56%, down 34 bps year over year.
  • Asset quality: problem loans at 3.79% of loans (+143 bps YoY).
  • Funding: loans stand at 22.66% of shares as of Q2 1996.

Financial Results

Return on Assets (quarter, annualized)

1.56%-34 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 Assets1.90%3.32%0.79%1.94%1.56%-34 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/a4.88%n/an/a
Loan Growth (YoY)n/an/an/an/a-9.18%n/an/a
Share Growth (YoY)n/an/an/an/a3.44%n/an/a
Asset Quality
Delinquent Loans / Loans2.36%2.67%3.96%2.05%3.79%+143 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.22%0.74%1.58%1.68%2.33%+110 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 / Shares25.81%37.95%20.89%29.97%22.66%-315 bps
Liquid Assets / Assets60.45%38.31%57.04%39.95%59.34%-111 bps