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MO-Mach

Hazleton, PA · Charter 16965

Q2 1999

$2.4MAssets
$1.4MLoans
$2.2MShares
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 3.26%, unchanged from a year ago.
  • Asset quality: problem loans at 0.76% of loans (+8 bps YoY).
  • Funding: loans stand at 63.20% of shares as of Q2 1999.

Financial Results

Return on Assets (quarter, annualized)

3.26%0 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets3.26%4.09%3.60%3.65%3.26%0 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)9.72%-4.38%-4.21%0.59%6.35%-338 bps
Loan Growth (YoY)22.20%5.16%-9.09%-18.41%-21.78%-4,399 bps
Share Growth (YoY)7.50%-7.49%-6.99%-1.84%4.66%-284 bps
Asset Quality
Delinquent Loans / Loans0.68%0.11%0.19%0.26%0.76%+8 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.95%0.58%0.85%0.69%0.58%-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 / Shares84.56%88.46%78.28%74.63%63.20%-2,136 bps
Liquid Assets / Assets20.67%18.05%25.72%27.24%34.53%+1,386 bps