PackageTrendsPeer
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Las Vegas

Las Vegas, NV · Charter 8565

Q2 1997

$3.0MAssets
$2.3MLoans
$2.8MShares
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 4.74%, up 123 bps year over year.
  • Asset quality: problem loans at 2.18% of loans (+123 bps YoY).
  • Funding: loans stand at 82.81% of shares as of Q2 1997.

Financial Results

Return on Assets (quarter, annualized)

4.74%+123 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets3.51%3.02%3.68%3.54%4.74%+123 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/a6.54%3.56%38.86%n/a
Loan Growth (YoY)n/an/a7.28%33.33%77.31%n/a
Share Growth (YoY)n/an/a4.11%-8.78%38.46%n/a
Asset Quality
Delinquent Loans / Loans0.95%0.44%1.91%2.73%2.18%+123 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.78%1.12%1.61%1.89%1.52%-26 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 / Shares64.66%73.43%67.95%86.48%82.81%+1,814 bps
Liquid Assets / Assets17.48%7.94%19.90%19.58%19.40%+192 bps