PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

New London Postal Employees

New London, CT · Charter 14212

Q4 1997

$4.4MAssets
$2.4MLoans
$3.7MShares
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 5.58%, down 12 bps year over year.
  • Asset quality: problem loans at 1.58% of loans (+27 bps YoY).
  • Funding: loans stand at 64.64% of shares as of Q4 1997.

Financial Results

Return on Assets (quarter, annualized)

5.58%-12 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1995Q2 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets5.69%5.53%5.74%4.94%5.58%-12 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)n/a-3.66%5.04%9.70%7.05%n/a
Loan Growth (YoY)n/a34.86%12.19%0.66%-4.95%n/a
Share Growth (YoY)n/a-7.78%1.27%6.59%3.39%n/a
Asset Quality
Delinquent Loans / Loans1.31%1.92%1.84%1.13%1.58%+27 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.40%1.68%1.71%2.11%1.85%+45 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 / Shares70.31%73.27%70.57%65.73%64.64%-567 bps
Liquid Assets / Assets33.84%31.21%30.89%35.20%37.88%+404 bps