PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Utica Observer-Dispatch Employees

Utica, NY · Charter 62666

Q2 1999

$303KAssets
$173KLoans
$265KShares
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 -0.28%, down 408 bps year over year.
  • Asset quality: problem loans at 14.79% of loans (+1,163 bps YoY).
  • Funding: loans stand at 65.39% of shares as of Q2 1999.

Financial Results

Return on Assets (quarter, annualized)

-0.28%-408 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 Assets3.80%3.89%3.91%3.75%-0.28%-408 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)1.81%-3.97%-16.77%-15.13%-19.38%-2,119 bps
Loan Growth (YoY)36.72%33.06%-4.07%-21.48%-39.78%-7,650 bps
Share Growth (YoY)-0.21%-3.09%-17.71%-15.62%-19.91%-1,970 bps
Asset Quality
Delinquent Loans / Loans3.15%5.02%4.52%14.24%14.79%+1,163 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.12%2.44%4.10%5.63%3.58%+145 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 / Shares86.96%93.49%102.69%85.46%65.39%-2,157 bps
Liquid Assets / Assets19.16%13.55%5.25%12.05%40.27%+2,111 bps