PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Vista Employees

Baltimore, MD · Charter 95730

Q4 1995

$75KAssets
$45KLoans
$63KShares
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 3.93%.
  • Asset quality: problem loans at 0.38% of loans.
  • Funding: loans stand at 70.30% of shares as of Q4 1995.

Financial Results

Return on Assets (YTD, annualized)

3.93%

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 1995YoY ΔTrend
Earnings
Return on Assets3.82%4.56%6.62%3.93%n/a
Return on Equityn/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/an/an/a
Loan Growth (YoY)n/an/an/an/an/an/a
Share Growth (YoY)n/an/an/an/an/an/a
Asset Quality
Delinquent Loans / Loans0.12%0.00%0.00%0.38%n/a
Net Charge-Offs / Loansn/an/an/an/an/an/a
Allowance / Loans0.43%0.48%0.58%0.84%n/a
Capital
Risk-Based Capitaln/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares89.27%80.38%74.61%70.30%n/a
Liquid Assets / Assets10.98%9.75%1.72%1.33%n/a