PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Apple Valley Credit Un.

Wenatchee, WA · Charter 89127

Q4 1996

$7.6MAssets
$6.2MLoans
$7.1MShares
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 5.09%, up 63 bps year over year.
  • Asset quality: problem loans at 1.20% of loans (+12 bps YoY).
  • Funding: loans stand at 86.39% of shares as of Q4 1996.

Financial Results

Return on Assets (YTD, annualized)

5.09%+63 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 Assets4.46%4.59%4.65%5.13%5.09%+63 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/a18.48%17.22%n/a
Loan Growth (YoY)n/an/an/a18.91%18.82%n/a
Share Growth (YoY)n/an/an/a18.55%19.12%n/a
Asset Quality
Delinquent Loans / Loans1.08%0.77%1.69%1.64%1.20%+12 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.64%0.52%0.50%0.25%1.13%+49 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 / Shares86.61%92.93%87.87%84.59%86.39%-22 bps
Liquid Assets / Assets4.13%2.07%3.19%3.65%4.56%+42 bps