PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

U.T.S. (NY)

New York, NY · Charter 19270

Q4 1999

$181KAssets
$62KLoans
$145KShares
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 1.42%, down 211 bps year over year; NIM at 5.26%.
  • Asset quality: problem loans at 6.95% of loans (+695 bps YoY).
  • Funding: loans stand at 43.01% of shares as of Q4 1999.

Financial Results

Return on Assets (quarter, annualized)

1.42%-211 bps YoY

Net Interest Margin (quarter, annualized)

5.26%

Efficiency Ratio (quarter, annualized)

76.08%

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets3.53%3.90%3.52%3.02%1.42%-211 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a5.26%n/an/a
Efficiency Ration/an/an/an/a76.08%n/an/a
Growth
Asset Growth (YoY)12.22%13.51%1.05%-6.08%0.27%-1,194 bps
Loan Growth (YoY)-32.57%-17.75%-16.95%-20.69%11.02%+4,359 bps
Share Growth (YoY)10.85%11.24%-1.19%-10.86%-2.86%-1,371 bps
Asset Quality
Delinquent Loans / Loans0.00%2.39%4.01%5.97%6.95%+695 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans13.82%12.32%12.37%15.65%14.67%+85 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 / Shares37.64%39.04%41.77%40.69%43.01%+538 bps
Liquid Assets / Assets67.48%64.14%58.00%62.73%57.46%-1,003 bps