PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Ferndale Refinery

Ferndale, WA · Charter 89203

Q4 1996

$3.6MAssets
$2.9MLoans
$3.0MShares
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 5.74%, up 133 bps year over year.
  • Asset quality: problem loans at 1.22% of loans (-135 bps YoY).
  • Funding: loans stand at 98.27% of shares as of Q4 1996.

Financial Results

Return on Assets (quarter, annualized)

5.74%+133 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1994Q2 1995Q4 1995Q2 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets4.41%4.41%4.36%5.70%5.74%+133 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/a10.17%19.24%n/a
Loan Growth (YoY)n/an/an/a3.39%4.74%n/a
Share Growth (YoY)n/an/an/a13.09%17.94%n/a
Asset Quality
Delinquent Loans / Loans2.57%1.14%11.17%0.16%1.22%-135 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.08%1.16%0.66%0.88%0.77%-30 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 / Shares110.65%113.26%100.96%99.54%98.27%-1,238 bps
Liquid Assets / Assets3.32%3.99%4.36%5.62%4.05%+73 bps