PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Air Shields Emp

Hatboro, PA · Charter 63322

Q4 1998

$218KAssets
$151KLoans
$174KShares
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 1.04%, down 169 bps year over year.
  • Asset quality: problem loans at 2.59% of loans (+81 bps YoY).
  • Funding: loans stand at 87.03% of shares as of Q4 1998.

Financial Results

Return on Assets (YTD, annualized)

1.04%-169 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ4 1996Q2 1997Q4 1997Q2 1998Q4 1998YoY ΔTrend
Earnings
Return on Assets2.72%1.30%0.65%0.82%1.04%-169 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)-15.11%-28.86%-21.84%-28.06%-47.55%-3,244 bps
Loan Growth (YoY)-36.98%-34.69%-12.44%41.79%-7.52%+2,946 bps
Share Growth (YoY)-17.38%-32.01%-24.22%-31.60%-52.77%-3,539 bps
Asset Quality
Delinquent Loans / Loans1.78%0.00%0.00%0.21%2.59%+81 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.45%0.94%0.94%1.06%1.27%-18 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 / Shares44.45%51.35%51.35%82.97%87.03%+4,258 bps
Liquid Assets / Assets49.42%55.98%55.98%0.00%24.11%-2,531 bps