11 Ratios Every Credit Union Professional Should Know

11 Ratios Every Credit Union Professional Should Know-Free PDF

  • Date:05 Jul 2020
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Goals of Asset Liability Management,Capital Adequacy. Adequate level of net worth to insure the,credit union s solvency Net worth. combines Regular Reserves and,Undivided Earnings,Goals of Asset Liability Management. Earnings Stability,Income must be sufficient to cover. interest expense,operating expense,loan losses,capital contribution.
Goals of Asset Liability Management,Liquidity Management. Adequate liquidity to meet normal and,seasonal loan share lows and a contingency. plan when liquidity approaches inadequate,Goals of Asset Liability Management. Interest Rate Risk,Control interest rate risk to avoid a significant. decline in earnings and net worth due to,changing interest rates.
A Asset Quality,M Management,E Earnings,L Asset Liability Management. Interest Rate Risk,Earnings Asset Yield,Definition The annualized yield on assets. both earning assets loans investments,and non earning assets fixed assets. accounts receivable and cash,Earnings Asset Yield,Formula Annualized Loan Investment. Income Average Total Assets,Industry Standard Determined by market.
conditions Refer to current Peer Group Statistics and. current market rates,1st Qtr 2014 3 5 6,Earnings Asset Yield. Impact Factors,Loan Yield,Loan Portfolio Content,Investment Mix. Investment Yield,Investment Portfolio Content,Cash Management Procedures. Fixed Asset Mix,ABC Federal Credit Union,Asset Mixes. Total Assets 201 268,Minimum Cash,Other Assets Core Investments.
13 241 Surplus Cash,6 58 86 694,Fixed Assets OREO,Gross Loans. Earnings Cost of Funds,Definition The annualized cost of the liabilities. including dividends paid on deposits and interest,paid on borrowed funds combined with the zero. direct cost of the credit union s net worth dollars. Earnings Cost of Funds,Formula Annualized Dividend Interest. Expense Average Total Assets,Industry Standard Determined by market.
conditions Refer to current Peer Group Statistics,and current market rates. 1st Qtr 2014 15 1 75,Earnings Cost of Funds,Impact Factors. Dividend Rates,Account Mixes,Account Rate Structures. Net Worth Ratio,Liquidity Position,ABC Federal Credit Union. Liability Mixes,Net Total Funds Liabilities Total Capital 201 268.
Total Capital,Regular Misc Shares,Other Liabilities. Share Certificates,Share Drafts Money Market,69 202 Shares. 34 38 37 879,Earnings Gross Spread,Definition The percentage difference between. the income generated on all assets and the cost,incurred for all liabilities. ABC Federal Credit Union Liability Mixes Other Liabilities 2 236 1 11 Money Market Shares 37 879 18 82 Share Drafts 69 202 34 38 Share Certificates 11 362 5 65 Total Capital 16 031 7 96 Regular amp Misc Shares 64 558 32 08 Net Total Funds Liabilities amp Total Capital 201 268

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