PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Gen. Office & Lab (Goal) Employees

Schenectady, NY · Charter 5842

Q2 1998

$2.4MAssets
$1.7MLoans
$2.0MShares
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 4.06%, up 253 bps year over year.
  • Asset quality: problem loans at 2.20% of loans (-3 bps YoY).
  • Funding: loans stand at 84.66% of shares as of Q2 1998.

Financial Results

Return on Assets (YTD, annualized)

4.06%+253 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.

MetricQ2 1996Q4 1996Q2 1997Q4 1997Q2 1998YoY ΔTrend
Earnings
Return on Assets1.54%2.05%3.17%3.39%4.06%+253 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)-7.94%-9.79%-8.76%-6.52%-5.23%+271 bps
Loan Growth (YoY)1.21%12.21%8.15%8.18%12.52%+1,131 bps
Share Growth (YoY)-9.56%-11.53%-10.52%-7.45%-7.56%+200 bps
Asset Quality
Delinquent Loans / Loans2.24%2.64%2.58%1.17%2.20%-3 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.70%0.85%1.95%1.08%1.58%+88 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 / Shares69.55%82.66%84.95%88.18%84.66%+1,511 bps
Liquid Assets / Assets18.30%22.81%25.34%10.66%23.76%+546 bps