PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Taper Lock Employees

Mishawaka, IN · Charter 8874

Q4 1996

$22.7MAssets
$15.3MLoans
$19.8MShares
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 4.41%, up 94 bps year over year.
  • Asset quality: problem loans at 1.48% of loans (+59 bps YoY).
  • Funding: loans stand at 77.13% of shares as of Q4 1996.

Financial Results

Return on Assets (YTD, annualized)

4.41%+94 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.

MetricQ4 1994Q2 1995Q4 1995Q2 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets3.47%3.74%4.20%4.07%4.41%+94 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/a8.07%1.72%n/a
Loan Growth (YoY)n/an/an/a29.28%12.12%n/a
Share Growth (YoY)n/an/an/a6.06%0.16%n/a
Asset Quality
Delinquent Loans / Loans0.90%0.99%0.92%1.11%1.48%+59 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.38%0.36%0.34%0.39%0.47%+9 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 / Shares68.91%73.87%76.12%73.93%77.13%+823 bps
Liquid Assets / Assets15.24%16.23%10.48%18.27%14.97%-27 bps