PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Amherst Town Employees

Amherst, MA · Charter 17329

Q4 1999

$1.6MAssets
$699KLoans
$1.4MShares
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 0.93%, down 384 bps year over year; NIM at 2.84%.
  • Asset quality: problem loans at 0.61% of loans (+10 bps YoY).
  • Funding: loans stand at 48.52% of shares as of Q4 1999.

Financial Results

Return on Assets (YTD, annualized)

0.93%-384 bps YoY

Net Interest Margin (YTD, annualized)

2.84%

Efficiency Ratio (YTD, annualized)

67.36%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets4.78%4.84%5.13%4.49%0.93%-384 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a2.84%n/an/a
Efficiency Ration/an/an/an/a67.36%n/an/a
Growth
Asset Growth (YoY)13.53%10.59%19.60%27.26%20.27%+674 bps
Loan Growth (YoY)69.31%67.85%42.60%30.77%22.60%-4,671 bps
Share Growth (YoY)12.56%7.35%18.92%23.88%19.99%+742 bps
Asset Quality
Delinquent Loans / Loans0.51%0.50%0.56%0.89%0.61%+10 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.97%1.67%1.77%1.28%1.03%-94 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 / Shares47.49%55.04%51.26%45.35%48.52%+103 bps
Liquid Assets / Assets10.66%9.84%20.25%0.00%14.83%+417 bps