VWF Bancorp Balance Sheet Health
Financial Health criteria checks 6/6
VWF Bancorp has total assets of $318.7M and total equity of $36.8M. Total deposits are $245.1M, and total loans are $134.1M. It earns a Net Interest Margin of 2.4%. It has sufficient allowance for bad loans, which are currently at 0.4% of total loans. Cash and short-term investments are $4.1M.
Key information
8.7x
Asset to equity ratio
2.4%
Net interest margin
| Total deposits | US$245.14m |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.4% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$4.07m |
Recent financial health updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: VWFB's Assets to Equity ratio (8.7x) is low.
Allowance for Bad Loans: VWFB has a sufficient allowance for bad loans (139%).
Low Risk Liabilities: 87% of VWFB's liabilities are made up of primarily low risk sources of funding.
Loan Level: VWFB has an appropriate level of Loans to Assets ratio (42%).
Low Risk Deposits: VWFB's Loans to Deposits ratio (55%) is appropriate.
Level of Bad Loans: VWFB has an appropriate level of bad loans (0.4%).