PackageTrendsPeer
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Eastern Trumbull

Hubbard, OH · Charter 60933

Q2 2000

$3.9MAssets
$1.9MLoans
$3.3MShares
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 254 bps year over year; NIM at 5.84%.
  • Asset quality: problem loans at 4.37% of loans (+136 bps YoY).
  • Funding: loans stand at 58.52% of shares as of Q2 2000.

Financial Results

Return on Assets (quarter, annualized)

0.08%-254 bps YoY

Net Interest Margin (quarter, annualized)

5.84%

Efficiency Ratio (quarter, annualized)

86.46%

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000YoY ΔTrend
Earnings
Return on Assets2.62%2.77%2.57%-1.42%0.08%-254 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a5.12%5.84%n/a
Efficiency Ration/an/an/a89.92%86.46%n/a
Growth
Asset Growth (YoY)2.96%6.62%4.45%0.90%-10.58%-1,354 bps
Loan Growth (YoY)16.33%1.14%-9.65%-16.93%-22.37%-3,870 bps
Share Growth (YoY)2.60%7.12%5.24%2.96%-10.55%-1,314 bps
Asset Quality
Delinquent Loans / Loans3.01%2.54%1.88%4.06%4.37%+136 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.38%0.46%1.18%3.11%4.02%+164 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 / Shares67.43%63.77%56.07%57.61%58.52%-891 bps
Liquid Assets / Assets28.99%34.57%34.84%31.73%24.29%-470 bps