PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Reichhold Employees

Bridgeville, PA · Charter 4704

Q4 1999

$1.7MAssets
$931KLoans
$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 0.35%, down 378 bps year over year; NIM at 2.77%.
  • Asset quality: problem loans at 0.36% of loans (-47 bps YoY).
  • Funding: loans stand at 60.53% of shares as of Q4 1999.

Financial Results

Return on Assets (YTD, annualized)

0.35%-378 bps YoY

Net Interest Margin (YTD, annualized)

2.77%

Efficiency Ratio (YTD, annualized)

87.41%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets4.13%4.53%4.13%3.81%0.35%-378 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a2.77%n/an/a
Efficiency Ration/an/an/an/a87.41%n/an/a
Growth
Asset Growth (YoY)4.89%4.04%3.83%6.32%8.17%+328 bps
Loan Growth (YoY)1.88%-2.34%-1.90%6.42%7.96%+608 bps
Share Growth (YoY)4.92%3.55%3.35%6.44%8.29%+337 bps
Asset Quality
Delinquent Loans / Loans0.82%0.56%0.32%0.00%0.36%-47 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.82%0.69%0.65%0.61%0.61%-21 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 / Shares60.71%56.58%59.99%59.77%60.53%-18 bps
Liquid Assets / Assets32.68%36.99%30.46%33.54%38.12%+544 bps