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Lackawanna Diversified

Eynon, PA · Charter 22741

Q4 1998

$828KAssets
$600KLoans
$745KShares
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 3.22%, up 1,502 bps year over year.
  • Asset quality: problem loans at 14.14% of loans (-383 bps YoY).
  • Funding: loans stand at 80.61% of shares as of Q4 1998.

Financial Results

Return on Assets (quarter, annualized)

3.22%+1,502 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1996Q2 1997Q4 1997Q2 1998Q4 1998YoY ΔTrend
Earnings
Return on Assets-11.80%2.01%2.43%4.25%3.22%+1,502 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)-30.18%-43.73%-42.53%-32.54%-26.03%+415 bps
Loan Growth (YoY)-49.48%-54.55%-59.17%-9.59%2.99%+5,246 bps
Share Growth (YoY)-18.14%-46.55%-39.04%-36.78%-35.72%-1,757 bps
Asset Quality
Delinquent Loans / Loans17.96%9.17%9.51%5.29%14.14%-383 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.99%2.73%1.84%1.26%1.62%-137 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 / Shares50.32%81.45%71.12%78.29%80.61%+3,030 bps
Liquid Assets / Assets31.15%5.43%18.68%25.72%23.75%-740 bps