PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

United Health Services Credit Union

Spokane, WA · Charter 89196

Q2 1996

$30.7MAssets
$23.8MLoans
$27.7MShares
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 4.54%, up 37 bps year over year.
  • Asset quality: problem loans at 0.63% of loans (+49 bps YoY).
  • Funding: loans stand at 85.78% of shares as of Q2 1996.

Financial Results

Return on Assets (YTD, annualized)

4.54%+37 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 Assets4.17%4.54%4.51%4.81%4.54%+37 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/a6.24%n/an/a
Loan Growth (YoY)n/an/an/an/a27.19%n/an/a
Share Growth (YoY)n/an/an/an/a3.40%n/an/a
Asset Quality
Delinquent Loans / Loans0.13%0.25%0.20%0.46%0.63%+49 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.81%0.77%0.74%0.66%0.56%-25 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 / Shares69.73%78.96%83.50%91.07%85.78%+1,605 bps
Liquid Assets / Assets19.26%10.45%10.03%7.40%11.64%-762 bps