PackageTrendsPeer
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Charlton Memorial Hospital

Fall River, MA · Charter 24014

Q4 1997

$1.6MAssets
$1.1MLoans
$1.4MShares
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 2.19%, down 58 bps year over year.
  • Asset quality: problem loans at 2.81% of loans (+62 bps YoY).
  • Funding: loans stand at 73.28% of shares as of Q4 1997.

Financial Results

Return on Assets (YTD, annualized)

2.19%-58 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 1995Q2 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets2.77%2.31%2.59%1.98%2.19%-58 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)n/a-3.27%-6.99%-3.85%-2.23%n/a
Loan Growth (YoY)n/a38.59%7.07%-9.38%-4.17%n/a
Share Growth (YoY)n/a-3.45%-11.17%-4.73%-2.92%n/a
Asset Quality
Delinquent Loans / Loans2.19%1.72%4.19%3.24%2.81%+62 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.23%2.08%1.72%1.81%1.09%-114 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 / Shares74.24%62.69%81.26%63.63%73.28%-95 bps
Liquid Assets / Assets21.59%39.01%27.98%34.39%24.39%+280 bps