PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Northeast

Portsmouth, NH · Charter 1515

Q4 1996

$179.3MAssets
$135.6MLoans
$162.0MShares
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 4.98%, up 46 bps year over year.
  • Asset quality: problem loans at 0.40% of loans (+9 bps YoY).
  • Funding: loans stand at 83.72% of shares as of Q4 1996.

Financial Results

Return on Assets (YTD, annualized)

4.98%+46 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.

MetricQ4 1995Q1 1996Q2 1996Q3 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets4.52%4.80%4.79%n/a4.98%+46 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)14.48%13.01%8.34%8.51%5.16%-932 bps
Loan Growth (YoY)21.68%16.64%14.26%10.18%10.13%-1,155 bps
Share Growth (YoY)13.70%11.65%6.97%6.64%4.00%-970 bps
Asset Quality
Delinquent Loans / Loans0.31%0.29%0.43%0.39%0.40%+9 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.92%0.94%0.89%0.84%0.78%-14 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 / Shares79.06%76.16%78.17%80.39%83.72%+465 bps
Liquid Assets / Assets11.34%15.32%11.98%14.04%11.71%+37 bps