PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Dairy Industry

North Haven, CT · Charter 60065

Q2 1999

$617KAssets
$109KLoans
$553KShares
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 3.28%, down 98 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (-215 bps YoY).
  • Funding: loans stand at 19.73% of shares as of Q2 1999.

Financial Results

Return on Assets (quarter, annualized)

3.28%-98 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets4.26%3.78%3.99%3.61%3.28%-98 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)-9.29%2.65%2.45%-2.81%-3.00%+629 bps
Loan Growth (YoY)-15.27%-1.09%7.32%-3.26%-11.03%+425 bps
Share Growth (YoY)-8.45%4.29%3.04%-2.49%-2.44%+601 bps
Asset Quality
Delinquent Loans / Loans2.15%1.91%1.16%0.00%0.00%-215 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans13.45%13.68%0.50%0.81%1.27%-1,218 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 / Shares21.63%21.70%26.08%22.96%19.73%-190 bps
Liquid Assets / Assets81.35%82.37%75.05%78.57%65.90%-1,545 bps