PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Tri-City Community

New Kensington, PA · Charter 23960

Q4 1998

$429KAssets
$234KLoans
$364KShares
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 3.46%, down 139 bps year over year.
  • Asset quality: problem loans at 1.19% of loans (+119 bps YoY).
  • Funding: loans stand at 64.30% of shares as of Q4 1998.

Financial Results

Return on Assets (YTD, annualized)

3.46%-139 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 Assets4.85%3.98%4.05%4.03%3.46%-139 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)-11.38%-14.17%-5.20%-15.27%1.72%+1,309 bps
Loan Growth (YoY)-14.13%18.81%-0.16%-20.85%-18.91%-478 bps
Share Growth (YoY)-13.47%-17.28%-7.32%-17.40%2.25%+1,572 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%2.72%0.81%1.19%+119 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.32%1.83%2.17%2.48%2.86%+55 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 / Shares81.07%109.44%94.48%84.32%64.30%-1,677 bps
Liquid Assets / Assets29.38%4.99%11.57%23.06%42.43%+1,305 bps