PackageTrendsPeer
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Plainfield Employees

Plainfield, CT · Charter 60243

Q4 1999

$1.9MAssets
$934KLoans
$1.8MShares
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 -0.08%, down 265 bps year over year; NIM at 5.00%.
  • Asset quality: problem loans at 1.59% of loans (+87 bps YoY).
  • Funding: loans stand at 53.23% of shares as of Q4 1999.

Financial Results

Return on Assets (quarter, annualized)

-0.08%-265 bps YoY

Net Interest Margin (quarter, annualized)

5.00%

Efficiency Ratio (quarter, annualized)

104.63%

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets2.57%2.82%2.80%2.27%-0.08%-265 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a5.00%n/an/a
Efficiency Ration/an/an/an/a104.63%n/an/a
Growth
Asset Growth (YoY)1.82%6.39%7.72%-1.32%-5.27%-709 bps
Loan Growth (YoY)-12.77%-9.68%-18.02%-24.41%-16.58%-381 bps
Share Growth (YoY)1.95%6.57%7.75%-1.78%-5.94%-789 bps
Asset Quality
Delinquent Loans / Loans0.71%0.10%0.26%0.33%1.59%+87 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.24%3.53%3.87%4.13%3.58%+34 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 / Shares60.02%51.84%48.86%45.14%53.23%-679 bps
Liquid Assets / Assets41.24%49.41%52.30%54.12%48.81%+757 bps