PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

B.C. Consumers

Battle Creek, MI · Charter 8755

Q2 1996

$3.6MAssets
$2.4MLoans
$3.1MShares
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 3.55%, down 48 bps year over year.
  • Asset quality: problem loans at 1.03% of loans (-137 bps YoY).
  • Funding: loans stand at 78.15% of shares as of Q2 1996.

Financial Results

Return on Assets (YTD, annualized)

3.55%-48 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets4.03%3.96%3.26%3.23%3.55%-48 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/a13.82%n/an/a
Loan Growth (YoY)n/an/an/an/a17.73%n/an/a
Share Growth (YoY)n/an/an/an/a9.79%n/an/a
Asset Quality
Delinquent Loans / Loans2.40%0.80%1.70%1.63%1.03%-137 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.99%2.54%2.55%2.37%2.48%-51 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 / Shares72.88%74.31%73.71%85.18%78.15%+527 bps
Liquid Assets / Assets11.36%17.95%15.28%11.72%18.99%+763 bps