PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Colonial Gas Employees

Lowell, MA · Charter 21976

Q2 1999

$3.4MAssets
$1.4MLoans
$2.9MShares
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 4.00%, down 126 bps year over year.
  • Asset quality: problem loans at 1.82% of loans (+26 bps YoY).
  • Funding: loans stand at 49.76% of shares as of Q2 1999.

Financial Results

Return on Assets (YTD, annualized)

4.00%-126 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 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets5.26%5.13%4.29%4.68%4.00%-126 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)6.51%-1.06%-3.15%-2.83%-2.50%-901 bps
Loan Growth (YoY)-7.89%-7.15%-12.69%-11.13%-19.81%-1,192 bps
Share Growth (YoY)4.44%-4.21%-5.82%-5.62%-4.83%-927 bps
Asset Quality
Delinquent Loans / Loans1.56%2.02%2.73%2.29%1.82%+26 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.48%2.46%2.53%3.15%3.02%+54 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 / Shares59.06%59.81%56.78%55.08%49.76%-930 bps
Liquid Assets / Assets46.93%44.20%43.19%35.42%46.28%-65 bps