PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Ekco Employees

Williamsport, PA · Charter 14863

Q2 1997

$455KAssets
$275KLoans
$470KShares
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 -15.70%, down 1,914 bps year over year.
  • Asset quality: problem loans at 19.98% of loans (+1,264 bps YoY).
  • Funding: loans stand at 58.49% of shares as of Q2 1997.

Financial Results

Return on Assets (YTD, annualized)

-15.70%-1,914 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets3.43%3.34%3.90%-1.92%-15.70%-1,914 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/an/a-11.08%-20.73%-32.57%n/a
Loan Growth (YoY)n/an/a-23.52%-37.17%-38.04%n/a
Share Growth (YoY)n/an/a-12.20%-18.12%-24.31%n/a
Asset Quality
Delinquent Loans / Loans7.34%13.29%23.34%27.23%19.98%+1,264 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans5.69%5.15%5.49%7.06%23.56%+1,787 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 / Shares71.45%69.06%69.89%62.60%58.49%-1,296 bps
Liquid Assets / Assets37.24%37.65%38.18%42.04%50.44%+1,320 bps