PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Atlantic Employees

Newton Square, PA · Charter 1310

Q3 1999

$182.6MAssets
$156.2MLoans
$158.5MShares
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 0.87%, down 313 bps year over year; NIM at 3.89%.
  • Asset quality: problem loans at 0.39% of loans (-7 bps YoY).
  • Funding: loans stand at 98.52% of shares as of Q3 1999.

Financial Results

Return on Assets (quarter, annualized)

0.87%-313 bps YoY

Net Interest Margin (quarter, annualized)

3.89%

Efficiency Ratio (quarter, annualized)

77.45%

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ3 1998Q4 1998Q1 1999Q2 1999Q3 1999YoY ΔTrend
Earnings
Return on Assets4.00%4.01%4.11%4.06%0.87%-313 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a3.89%n/an/a
Efficiency Ration/an/an/an/a77.45%n/an/a
Growth
Asset Growth (YoY)13.46%14.30%18.37%15.83%10.99%-246 bps
Loan Growth (YoY)32.18%20.34%15.55%11.48%8.22%-2,396 bps
Share Growth (YoY)8.44%10.10%13.22%15.54%10.15%+172 bps
Asset Quality
Delinquent Loans / Loans0.46%0.59%0.53%0.49%0.39%-7 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.48%0.49%0.48%0.46%0.45%-4 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 / Shares100.28%93.57%90.89%93.00%98.52%-176 bps
Liquid Assets / Assets3.78%5.77%6.64%8.16%3.88%+10 bps