PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

E.M.F.C.

Meadville, PA · Charter 20355

Q4 1999

$1.0MAssets
$661KLoans
$831KShares
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 1.26%, down 395 bps year over year; NIM at 4.58%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 79.58% of shares as of Q4 1999.

Financial Results

Return on Assets (YTD, annualized)

1.26%-395 bps YoY

Net Interest Margin (YTD, annualized)

4.58%

Efficiency Ratio (YTD, annualized)

73.27%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets5.21%4.46%5.31%3.78%1.26%-395 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a4.58%n/an/a
Efficiency Ration/an/an/an/a73.27%n/an/a
Growth
Asset Growth (YoY)10.34%15.35%5.51%9.02%6.53%-381 bps
Loan Growth (YoY)-0.04%22.01%2.85%-1.86%-7.81%-776 bps
Share Growth (YoY)10.46%12.64%1.66%6.21%3.81%-666 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.09%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.18%0.17%0.19%0.64%0.63%+45 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 / Shares89.61%81.93%86.60%70.76%79.58%-1,003 bps
Liquid Assets / Assets21.87%18.20%15.42%38.34%0.00%-2,187 bps