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Elastimold

Hackettstown, NJ · Charter 23765

Q2 1999

$1.1MAssets
$861KLoans
$948KShares
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 2.70%, up 141 bps year over year.
  • Asset quality: problem loans at 0.14% of loans (-185 bps YoY).
  • Funding: loans stand at 90.82% of shares as of Q2 1999.

Financial Results

Return on Assets (YTD, annualized)

2.70%+141 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 Assets1.28%1.48%2.70%2.79%2.70%+141 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)-10.71%-18.99%-21.86%-13.26%-12.57%-186 bps
Loan Growth (YoY)-14.12%-20.40%-25.61%-26.96%-11.53%+259 bps
Share Growth (YoY)-13.40%-20.34%-23.57%-13.44%-13.61%-21 bps
Asset Quality
Delinquent Loans / Loans1.99%0.79%0.14%0.36%0.14%-185 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.10%1.00%1.19%1.11%1.19%+9 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 / Shares88.69%96.13%90.82%81.82%90.82%+213 bps
Liquid Assets / Assets9.95%4.92%15.29%19.61%15.29%+534 bps