PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Latvian Credit Union

Edmonds, WA · Charter 89188

Q2 1996

$2.2MAssets
$1.0MLoans
$2.0MShares
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 4.49%, up 31 bps year over year.
  • Asset quality: problem loans at 0.18% of loans (-104 bps YoY).
  • Funding: loans stand at 50.97% of shares as of Q2 1996.

Financial Results

Return on Assets (quarter, annualized)

4.49%+31 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets4.18%4.36%4.79%4.68%4.49%+31 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/a-15.80%n/an/a
Loan Growth (YoY)n/an/an/an/a4.76%n/an/a
Share Growth (YoY)n/an/an/an/a-17.30%n/an/a
Asset Quality
Delinquent Loans / Loans1.22%0.94%3.56%0.96%0.18%-104 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.03%0.06%0.08%0.12%0.14%+11 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 / Shares40.24%44.07%51.76%44.61%50.97%+1,073 bps
Liquid Assets / Assets60.54%32.28%12.50%28.46%32.22%-2,832 bps