PackageTrendsPeer
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Skowhegan Community

Skowhegan, ME · Charter 15998

Q2 2000

$8.9MAssets
$6.9MLoans
$8.2MShares
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 1.14%, down 195 bps year over year; NIM at 5.13%.
  • Asset quality: problem loans at 0.47% of loans (+34 bps YoY).
  • Funding: loans stand at 84.12% of shares as of Q2 2000.

Financial Results

Return on Assets (YTD, annualized)

1.14%-195 bps YoY

Net Interest Margin (YTD, annualized)

5.13%

Efficiency Ratio (YTD, annualized)

76.37%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000YoY ΔTrend
Earnings
Return on Assets3.09%3.54%3.61%0.85%1.14%-195 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a4.46%5.13%n/a
Efficiency Ration/an/an/a84.52%76.37%n/a
Growth
Asset Growth (YoY)16.49%20.05%23.15%19.68%6.76%-973 bps
Loan Growth (YoY)12.83%17.26%11.83%6.34%15.11%+228 bps
Share Growth (YoY)17.00%21.12%24.04%19.82%5.38%-1,163 bps
Asset Quality
Delinquent Loans / Loans0.13%0.18%0.11%0.34%0.47%+34 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.57%0.52%0.53%0.52%0.52%-6 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 / Shares77.01%75.69%68.37%77.20%84.12%+711 bps
Liquid Assets / Assets18.20%18.13%23.87%8.99%4.50%-1,370 bps