PackageTrendsPeer
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Waldo Community Development

Belfast, ME · Charter 24537

Q4 1998

$1.5MAssets
$895KLoans
$1.5MShares
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 -6.82%, down 668 bps year over year.
  • Asset quality: problem loans at 11.63% of loans (+267 bps YoY).
  • Funding: loans stand at 58.86% of shares as of Q4 1998.

Financial Results

Return on Assets (quarter, annualized)

-6.82%-668 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1996Q2 1997Q4 1997Q2 1998Q4 1998YoY ΔTrend
Earnings
Return on Assets-0.15%1.40%1.06%-6.98%-6.82%-668 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/a275%102.75%71.76%17.80%n/a
Loan Growth (YoY)n/an/a458%112.00%4.35%n/a
Share Growth (YoY)n/a272%122.39%94.34%31.56%n/a
Asset Quality
Delinquent Loans / Loans8.96%7.86%15.42%10.08%11.63%+267 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.54%0.96%2.15%6.88%8.25%+771 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 / Shares74.21%76.42%64.04%54.45%58.86%-1,534 bps
Liquid Assets / Assets22.73%13.01%27.45%39.06%20.17%-256 bps