PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Donovan Data Employees

New York, NY · Charter 23625

Q2 1999

$1.6MAssets
$390KLoans
$1.5MShares
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 9.39%, up 400 bps year over year.
  • Asset quality: problem loans at 1.71% of loans (+65 bps YoY).
  • Funding: loans stand at 25.86% of shares as of Q2 1999.

Financial Results

Return on Assets (YTD, annualized)

9.39%+400 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.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets5.39%5.33%5.41%5.86%9.39%+400 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)-4.25%16.52%6.79%1.48%-1.05%+320 bps
Loan Growth (YoY)6.36%-10.93%10.13%10.80%10.53%+417 bps
Share Growth (YoY)-6.24%14.42%4.52%-1.46%-3.20%+304 bps
Asset Quality
Delinquent Loans / Loans1.06%2.09%1.17%1.71%1.71%+65 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.46%3.24%3.59%3.07%3.07%+61 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 / Shares22.65%23.15%29.24%28.57%25.86%+321 bps
Liquid Assets / Assets22.38%33.92%24.09%37.58%70.82%+4,844 bps