PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Howmet Alloy Employees

Dover, NJ · Charter 62688

Q2 1999

$111KAssets
$51KLoans
$89KShares
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 2.91%, down 81 bps year over year.
  • Asset quality: problem loans at 8.15% of loans (+634 bps YoY).
  • Funding: loans stand at 57.31% of shares as of Q2 1999.

Financial Results

Return on Assets (quarter, annualized)

2.91%-81 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 Assets3.72%4.33%1.48%1.46%2.91%-81 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)11.13%-6.08%-12.34%-19.99%-24.82%-3,595 bps
Loan Growth (YoY)12.99%33.53%10.42%5.47%-13.74%-2,672 bps
Share Growth (YoY)10.96%-9.61%-13.89%-21.66%-28.38%-3,935 bps
Asset Quality
Delinquent Loans / Loans1.81%0.40%13.21%8.15%8.15%+634 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.86%4.44%8.16%5.56%5.56%+171 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 / Shares47.58%65.28%39.78%57.31%57.31%+973 bps
Liquid Assets / Assets51.28%35.37%56.28%0.00%0.00%-5,128 bps