PackageTrendsPeer
Letter portraitLegal landscape

Dr. Manuel Zeno Gandia

Arecibo, PR · Charter 96866

Q1 1994

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 1994, the quarter ended March 31, 1994, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Dr. Manuel Zeno Gandia

Arecibo, PR · Charter 96866

Q1 1994

$80.8MAssets
$46.8MLoans
$76.1MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 3.67%.
  • Asset quality: problem loans at 8.39% of loans.
  • Funding: loans stand at 61.45% of shares as of Q1 1994.

Return on Assets (YTD, annualized)

3.67%
n/a

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ1 1994YoY ΔTrend
Earnings
Return on Assets3.67%n/an/a
Return on Equityn/an/an/a
Net Interest Marginn/an/an/a
Efficiency Ration/an/an/a
Growth
Asset Growth (YoY)n/an/an/a
Loan Growth (YoY)n/an/an/a
Share Growth (YoY)n/an/an/a
Asset Quality
Delinquent Loans / Loans8.39%n/an/a
Net Charge-Offs / Loansn/an/an/a
Allowance / Loans2.35%n/an/a
Capital
Risk-Based Capitaln/an/an/a
Net Worth / Assetsn/an/an/a
Liquidity & Funding
Loans / Shares61.45%n/an/a
Liquid Assets / Assets15.35%n/an/a