Grand Isle, ME · Charter 15742
Q2 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1999, the quarter ended June 30, 1999, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Grand Isle, ME · Charter 15742
Q2 1999
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.58% | 3.40% | 3.36% | 2.64% | -2.91% | -649 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 54.55% | 26.64% | 1.21% | 2.97% | -11.91% | -6,646 bps | |
| Loan Growth (YoY) | -11.41% | -18.35% | -9.36% | -14.16% | -25.26% | -1,386 bps | |
| Share Growth (YoY) | 60.36% | 28.77% | 0.46% | 2.96% | -10.00% | -7,036 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.50% | 7.18% | 5.98% | 12.04% | 10.55% | +606 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.48% | 1.23% | 1.40% | 2.23% | 8.20% | +672 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 51.86% | 51.81% | 54.90% | 50.61% | 43.07% | -880 bps | |
| Liquid Assets / Assets | 42.34% | 48.61% | 45.29% | 48.96% | 56.36% | +1,402 bps | |