PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Teamsters 58

Longview, WA · Charter 89183

Q4 1996

$2.6MAssets
$1.1MLoans
$1.7MShares
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 4.34%, down 63 bps year over year.
  • Asset quality: problem loans at 17.67% of loans (+1,340 bps YoY).
  • Funding: loans stand at 64.51% of shares as of Q4 1996.

Financial Results

Return on Assets (YTD, annualized)

4.34%-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 Assets4.97%5.19%5.71%5.11%4.34%-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/a-20.16%-13.72%n/a
Loan Growth (YoY)n/an/an/a-11.38%-6.55%n/a
Share Growth (YoY)n/an/an/a-31.77%-24.06%n/a
Asset Quality
Delinquent Loans / Loans4.27%3.44%2.81%0.42%17.67%+1,340 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%1.66%2.07%+207 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 / Shares52.42%56.49%61.59%62.72%64.51%+1,209 bps
Liquid Assets / Assets54.00%54.15%52.75%52.06%53.34%-67 bps