PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Teamsters Local #491

Uniontown, PA · Charter 22981

Q2 1999

$2.0MAssets
$1.3MLoans
$2.0MShares
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 2.08%, down 411 bps year over year.
  • Asset quality: problem loans at 7.51% of loans (-699 bps YoY).
  • Funding: loans stand at 65.08% of shares as of Q2 1999.

Financial Results

Return on Assets (quarter, annualized)

2.08%-411 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets6.19%2.49%1.37%2.32%2.08%-411 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)61.36%45.16%9.85%-1.44%-5.61%-6,696 bps
Loan Growth (YoY)45.64%27.37%2.16%-14.45%-31.50%-7,713 bps
Share Growth (YoY)69.04%65.07%13.71%3.29%1.33%-6,771 bps
Asset Quality
Delinquent Loans / Loans14.50%9.03%13.83%8.93%7.51%-699 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.61%3.39%5.45%3.45%9.23%+562 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 / Shares96.27%92.07%85.83%77.95%65.08%-3,119 bps
Liquid Assets / Assets11.96%13.94%19.16%24.54%36.44%+2,448 bps