PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Weavers Way

Philadelphia, PA · Charter 23075

Q4 1998

$304KAssets
$181KLoans
$309KShares
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 -1.49%, down 477 bps year over year.
  • Asset quality: problem loans at 13.88% of loans (+1,026 bps YoY).
  • Funding: loans stand at 58.56% of shares as of Q4 1998.

Financial Results

Return on Assets (YTD, annualized)

-1.49%-477 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 Assets3.28%2.83%2.83%-3.08%-1.49%-477 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)11.65%-20.76%-12.08%-28.28%-27.93%-3,958 bps
Loan Growth (YoY)55.14%32.19%24.66%-14.55%-37.83%-9,297 bps
Share Growth (YoY)9.75%-23.57%-13.96%-20.68%-21.12%-3,087 bps
Asset Quality
Delinquent Loans / Loans3.62%17.67%17.67%6.65%13.88%+1,026 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.84%2.54%2.54%6.18%8.43%+559 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 / Shares74.30%93.76%93.76%75.29%58.56%-1,573 bps
Liquid Assets / Assets14.22%16.13%16.13%14.00%37.12%+2,290 bps