PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

M.H. Employees

Wilkes Barre, PA · Charter 22800

Q4 1998

$2.1MAssets
$1.4MLoans
$1.8MShares
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 4.35%, down 20 bps year over year.
  • Asset quality: problem loans at 0.56% of loans (-249 bps YoY).
  • Funding: loans stand at 80.40% of shares as of Q4 1998.

Financial Results

Return on Assets (YTD, annualized)

4.35%-20 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.

MetricQ4 1996Q2 1997Q4 1997Q2 1998Q4 1998YoY ΔTrend
Earnings
Return on Assets4.55%4.31%4.50%3.22%4.35%-20 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)10.60%12.53%12.53%7.92%2.68%-791 bps
Loan Growth (YoY)2.38%-12.77%-6.93%22.72%51.46%+4,907 bps
Share Growth (YoY)10.42%12.70%12.05%7.46%-0.73%-1,115 bps
Asset Quality
Delinquent Loans / Loans3.06%1.67%1.95%1.50%0.56%-249 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.61%0.93%0.91%1.34%0.58%-104 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 / Shares52.69%47.55%51.91%60.61%80.40%+2,770 bps
Liquid Assets / Assets51.07%55.10%51.62%40.54%24.83%-2,623 bps