PackageTrendsPeer
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LCCC -

Nanticoke, PA · Charter 24006

Q4 2000

$1.2MAssets
$307KLoans
$1.1MShares
$109KNet 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 0.58%, down 412 bps year over year; NIM at 2.06%.
  • Asset quality: problem loans at 0.00% of loans (-44 bps YoY).
  • Capital: net worth / assets of 8.82%.
  • Funding: loans stand at 27.34% of shares as of Q4 2000.

Financial Results

Return on Assets (quarter, annualized)

0.58%-412 bps YoY

Net Interest Margin (quarter, annualized)

2.06%

Efficiency Ratio (quarter, annualized)

71.97%

Net Worth / Assets

8.82%

Discrete quarter, annualized.

MetricQ4 1998Q2 1999Q4 1999Q2 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets4.69%3.01%0.55%0.43%0.58%-412 bps
Return on Equityn/an/an/an/a6.57%n/an/a
Net Interest Marginn/an/a1.77%2.24%2.06%n/a
Efficiency Ration/an/a70.03%80.70%71.97%n/a
Growth
Asset Growth (YoY)2.29%0.05%6.78%16.85%9.57%+728 bps
Loan Growth (YoY)-34.46%-33.29%-36.57%-26.43%4.20%+3,865 bps
Share Growth (YoY)-0.11%-2.11%5.24%17.17%8.99%+911 bps
Asset Quality
Delinquent Loans / Loans0.44%0.13%0.00%0.00%0.00%-44 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.71%0.82%0.86%0.88%0.68%-3 bps
Capital
Risk-Based Capitaln/an/an/an/a8.82%n/an/a
Net Worth / Assetsn/an/an/an/a8.82%n/an/a
Liquidity & Funding
Loans / Shares28.60%23.64%22.47%19.80%27.34%-126 bps
Liquid Assets / Assets59.70%58.16%56.04%78.16%44.47%-1,524 bps