PackageTrendsPeer
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SPT

Houston, TX · Charter 9242

Q4 1994

$1.5MAssets
$1.2MLoans
$1.4MShares
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 2.78%.
  • Asset quality: problem loans at 5.87% of loans.
  • Funding: loans stand at 91.76% of shares as of Q4 1994.

Financial Results

Return on Assets (quarter, annualized)

2.78%

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1994Q4 1994YoY ΔTrend
Earnings
Return on Assets1.21%2.78%n/a
Return on Equityn/an/an/an/a
Net Interest Marginn/an/an/an/a
Efficiency Ration/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a
Loan Growth (YoY)n/an/an/an/a
Share Growth (YoY)n/an/an/an/a
Asset Quality
Delinquent Loans / Loans6.30%5.87%n/a
Net Charge-Offs / Loansn/an/an/an/a
Allowance / Loans1.45%0.85%n/a
Capital
Risk-Based Capitaln/an/an/an/a
Net Worth / Assetsn/an/an/an/a
Liquidity & Funding
Loans / Shares73.33%91.76%n/a
Liquid Assets / Assets22.67%7.84%n/a