PackageTrendsPeer
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Service

Portsmouth, NH · Charter 11512

Q3 1998

$422.3MAssets
$311.5MLoans
$331.2MShares
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 4.56%, down 47 bps year over year.
  • Asset quality: problem loans at 0.79% of loans (+8 bps YoY).
  • Funding: loans stand at 94.05% of shares as of Q3 1998.

Financial Results

Return on Assets (quarter, annualized)

4.56%-47 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ3 1997Q4 1997Q1 1998Q2 1998Q3 1998YoY ΔTrend
Earnings
Return on Assets5.03%5.00%4.69%4.48%4.56%-47 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)13.13%16.48%18.26%18.25%17.39%+426 bps
Loan Growth (YoY)27.92%20.58%11.86%9.40%8.26%-1,966 bps
Share Growth (YoY)13.66%17.33%18.23%16.92%15.82%+216 bps
Asset Quality
Delinquent Loans / Loans0.71%0.71%0.65%0.73%0.79%+8 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.17%2.97%2.98%2.84%2.70%-47 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 / Shares100.61%99.92%93.32%91.86%94.05%-656 bps
Liquid Assets / Assets7.25%15.36%16.39%17.42%12.13%+488 bps