PackageTrendsPeer
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Plumbers Local 433 AFL

Hobart, IN · Charter 10312

Q4 1999

$313KAssets
$297KLoans
$260KShares
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 1.57%, down 323 bps year over year; NIM at 4.79%.
  • Asset quality: problem loans at 15.44% of loans (+935 bps YoY).
  • Funding: loans stand at 114.17% of shares as of Q4 1999.

Financial Results

Return on Assets (quarter, annualized)

1.57%-323 bps YoY

Net Interest Margin (quarter, annualized)

4.79%

Efficiency Ratio (quarter, annualized)

67.27%

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets4.80%3.97%4.32%2.88%1.57%-323 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a4.79%n/an/a
Efficiency Ration/an/an/an/a67.27%n/an/a
Growth
Asset Growth (YoY)21.79%28.10%43.01%18.43%5.08%-1,671 bps
Loan Growth (YoY)60.83%45.40%30.30%8.11%2.51%-5,832 bps
Share Growth (YoY)3.41%6.82%26.03%33.42%9.16%+576 bps
Asset Quality
Delinquent Loans / Loans6.09%10.20%16.45%17.35%15.44%+935 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.90%1.83%2.04%1.77%1.86%-5 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 / Shares121.58%119.76%93.64%97.74%114.17%-741 bps
Liquid Assets / Assets0.92%0.00%13.19%5.56%0.00%-92 bps