PackageTrendsPeer
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Twin Meadows

East Longmeadow, MA · Charter 16613

Q2 2000

$7.2MAssets
$4.0MLoans
$6.7MShares
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 1.08%, down 257 bps year over year; NIM at 3.67%.
  • Asset quality: problem loans at 0.19% of loans (+19 bps YoY).
  • Funding: loans stand at 60.44% of shares as of Q2 2000.

Financial Results

Return on Assets (quarter, annualized)

1.08%-257 bps YoY

Net Interest Margin (quarter, annualized)

3.67%

Efficiency Ratio (quarter, annualized)

71.70%

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000YoY ΔTrend
Earnings
Return on Assets3.66%3.39%3.64%0.88%1.08%-257 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a3.85%3.67%n/a
Efficiency Ration/an/an/a78.72%71.70%n/a
Growth
Asset Growth (YoY)48.51%19.27%29.45%32.76%25.79%-2,272 bps
Loan Growth (YoY)148.42%30.65%25.35%33.53%35.21%-11,320 bps
Share Growth (YoY)41.41%18.08%28.31%27.38%25.82%-1,559 bps
Asset Quality
Delinquent Loans / Loans0.00%0.22%0.00%0.22%0.19%+19 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.88%0.78%0.50%0.36%0.51%-37 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 / Shares56.24%57.33%52.61%65.22%60.44%+420 bps
Liquid Assets / Assets16.29%38.32%24.67%16.56%9.55%-674 bps