PackageTrendsPeer
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Friendship

Glen Burnie, MD · Charter 23727

Q2 1999

$15.9MAssets
$12.2MLoans
$15.5MShares
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 2.28%, down 170 bps year over year.
  • Asset quality: problem loans at 1.84% of loans (+57 bps YoY).
  • Funding: loans stand at 78.55% of shares as of Q2 1999.

Financial Results

Return on Assets (YTD, annualized)

2.28%-170 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 Assets3.98%4.14%3.16%2.44%2.28%-170 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)-0.55%-5.35%-3.01%6.13%1.53%+208 bps
Loan Growth (YoY)-2.34%-8.99%-12.66%-6.49%3.74%+608 bps
Share Growth (YoY)0.33%-5.36%-3.53%6.47%1.21%+88 bps
Asset Quality
Delinquent Loans / Loans1.27%2.36%2.84%2.77%1.84%+57 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.59%1.43%1.98%1.68%1.69%+10 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 / Shares76.63%76.98%67.00%74.08%78.55%+191 bps
Liquid Assets / Assets19.66%13.89%24.72%14.26%9.43%-1,023 bps