PackageTrendsPeer
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Linden Power

Port Reading, NJ · Charter 19102

Q2 1997

$320KAssets
$51KLoans
$289KShares
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 2.82%, down 8 bps year over year.
  • Asset quality: problem loans at 1.34% of loans (+134 bps YoY).
  • Funding: loans stand at 17.56% of shares as of Q2 1997.

Financial Results

Return on Assets (YTD, annualized)

2.82%-8 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.

MetricQ2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets2.90%3.14%2.51%2.61%2.82%-8 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)n/an/a-9.84%-4.04%-34.81%n/a
Loan Growth (YoY)n/an/a-39.77%-23.57%-36.36%n/a
Share Growth (YoY)n/an/a-9.51%-4.38%-35.20%n/a
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%5.09%1.34%+134 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.03%0.03%0.04%0.03%0.05%+2 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 / Shares17.88%20.77%15.28%16.45%17.56%-32 bps
Liquid Assets / Assets71.64%69.58%68.57%70.06%46.28%-2,535 bps