PackageTrendsPeer
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M.H.C.

Bethlehem, PA · Charter 16148

Q4 1998

$469KAssets
$207KLoans
$428KShares
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 5.06%, up 104 bps year over year.
  • Asset quality: problem loans at 14.01% of loans (+1,296 bps YoY).
  • Funding: loans stand at 48.25% of shares as of Q4 1998.

Financial Results

Return on Assets (YTD, annualized)

5.06%+104 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 1996Q2 1997Q4 1997Q2 1998Q4 1998YoY ΔTrend
Earnings
Return on Assets4.02%3.01%3.22%4.97%5.06%+104 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)8.37%17.22%6.33%5.34%0.02%-835 bps
Loan Growth (YoY)8.37%-9.99%-17.27%-16.33%-35.77%-4,413 bps
Share Growth (YoY)6.62%16.14%5.44%3.69%-2.34%-896 bps
Asset Quality
Delinquent Loans / Loans1.05%0.43%0.06%0.81%14.01%+1,296 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans5.10%5.31%5.27%5.84%8.43%+333 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 / Shares73.36%60.99%62.94%54.06%48.25%-2,511 bps
Liquid Assets / Assets23.56%26.51%30.77%29.11%35.10%+1,154 bps