PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Azalea City

Mobile, AL · Charter 9312

Q4 1996

$11.6MAssets
$8.4MLoans
$10.2MShares
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 5.12%, up 30 bps year over year.
  • Asset quality: problem loans at 0.43% of loans (-17 bps YoY).
  • Funding: loans stand at 82.09% of shares as of Q4 1996.

Financial Results

Return on Assets (quarter, annualized)

5.12%+30 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 Assets4.82%5.48%5.15%4.59%5.12%+30 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/a19.14%16.59%n/a
Loan Growth (YoY)n/an/an/a10.49%7.01%n/a
Share Growth (YoY)n/an/an/a17.75%15.42%n/a
Asset Quality
Delinquent Loans / Loans0.60%0.44%1.26%0.42%0.43%-17 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.78%0.50%0.63%0.56%0.48%-29 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 / Shares88.53%90.82%87.50%80.71%82.09%-645 bps
Liquid Assets / Assets9.80%11.16%13.77%12.82%10.51%+71 bps