PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

U G I Lehigh Div Emp

Bethlehem, PA · Charter 12027

Q2 2000

$2.9MAssets
$1.0MLoans
$2.5MShares
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 0.76%, down 467 bps year over year; NIM at 2.08%.
  • Asset quality: problem loans at 0.20% of loans (-84 bps YoY).
  • Funding: loans stand at 41.07% of shares as of Q2 2000.

Financial Results

Return on Assets (quarter, annualized)

0.76%-467 bps YoY

Net Interest Margin (quarter, annualized)

2.08%

Efficiency Ratio (quarter, annualized)

63.90%

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000YoY ΔTrend
Earnings
Return on Assets5.42%4.87%4.15%0.60%0.76%-467 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a2.31%2.08%n/a
Efficiency Ration/an/an/a74.02%63.90%n/a
Growth
Asset Growth (YoY)-1.81%0.32%4.72%8.12%7.01%+882 bps
Loan Growth (YoY)6.77%-13.60%-19.58%-20.21%-25.68%-3,245 bps
Share Growth (YoY)-3.89%-1.85%3.48%7.19%6.41%+1,030 bps
Asset Quality
Delinquent Loans / Loans1.04%1.77%0.68%0.82%0.20%-84 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.17%1.26%0.85%0.90%0.88%-29 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 / Shares58.80%53.36%47.81%45.23%41.07%-1,773 bps
Liquid Assets / Assets48.00%52.86%56.47%59.07%62.77%+1,477 bps