PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Allentown-Easton/U.N.I.T.E.

Allentown, PA · Charter 11055

Q4 1999

$507KAssets
$212KLoans
$387KShares
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 1.72%, down 104 bps year over year; NIM at 5.83%.
  • Asset quality: problem loans at 9.16% of loans (-621 bps YoY).
  • Funding: loans stand at 54.78% of shares as of Q4 1999.

Financial Results

Return on Assets (YTD, annualized)

1.72%-104 bps YoY

Net Interest Margin (YTD, annualized)

5.83%

Efficiency Ratio (YTD, annualized)

51.70%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets2.77%2.22%2.56%1.96%1.72%-104 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a5.83%n/an/a
Efficiency Ration/an/an/an/a51.70%n/an/a
Growth
Asset Growth (YoY)25.82%27.17%13.20%14.87%-2.32%-2,814 bps
Loan Growth (YoY)-8.00%8.05%-3.82%-6.12%-10.43%-243 bps
Share Growth (YoY)29.86%30.36%13.66%16.12%-6.11%-3,598 bps
Asset Quality
Delinquent Loans / Loans15.38%11.22%15.42%11.09%9.16%-621 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.27%1.85%2.10%4.28%3.45%+118 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 / Shares57.42%59.34%58.66%46.42%54.78%-264 bps
Liquid Assets / Assets2.82%2.66%2.01%1.73%0.09%-273 bps