PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

McNeil-Ortho Employees

Manati, PR · Charter 22524

Q2 1998

$958KAssets
$393KLoans
$767KShares
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 1.00%, down 205 bps year over year.
  • Asset quality: problem loans at 0.81% of loans (-182 bps YoY).
  • Funding: loans stand at 51.22% of shares as of Q2 1998.

Financial Results

Return on Assets (quarter, annualized)

1.00%-205 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1996Q4 1996Q2 1997Q4 1997Q2 1998YoY ΔTrend
Earnings
Return on Assets3.05%1.45%-0.94%-0.18%1.00%-205 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)31.09%7.30%21.90%-14.83%-30.95%-6,204 bps
Loan Growth (YoY)-10.76%-9.78%-14.10%-23.83%-18.70%-794 bps
Share Growth (YoY)33.19%11.70%29.15%-14.84%-30.99%-6,418 bps
Asset Quality
Delinquent Loans / Loans2.63%2.79%3.33%0.00%0.81%-182 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.09%3.28%3.72%0.86%0.88%-221 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 / Shares43.48%52.03%38.37%49.87%51.22%+774 bps
Liquid Assets / Assets15.17%18.47%15.89%21.00%20.88%+571 bps