PackageTrendsPeer
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Longs Peak

Loveland, CO · Charter 8964

Q4 1996

$18.1MAssets
$13.4MLoans
$15.1MShares
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 4.40%, up 59 bps year over year.
  • Asset quality: problem loans at 0.48% of loans (-15 bps YoY).
  • Funding: loans stand at 88.34% of shares as of Q4 1996.

Financial Results

Return on Assets (quarter, annualized)

4.40%+59 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 Assets3.81%4.12%4.18%4.35%4.40%+59 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/a3.80%6.14%n/a
Loan Growth (YoY)n/an/an/a17.63%7.86%n/a
Share Growth (YoY)n/an/an/a0.22%3.06%n/a
Asset Quality
Delinquent Loans / Loans0.62%0.56%0.68%0.66%0.48%-15 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.69%3.52%3.36%3.18%2.12%-157 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 / Shares84.41%85.45%87.45%89.44%88.34%+393 bps
Liquid Assets / Assets14.11%15.75%14.98%14.00%18.65%+453 bps