PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

National Group Employees

Frazer, PA · Charter 64374

Q2 1999

$3.9MAssets
$1.8MLoans
$3.5MShares
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 36 bps year over year.
  • Asset quality: problem loans at 2.15% of loans (-84 bps YoY).
  • Funding: loans stand at 52.28% of shares as of Q2 1999.

Financial Results

Return on Assets (YTD, annualized)

2.91%-36 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.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets3.27%4.14%3.11%3.27%2.91%-36 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)0.52%-10.79%-11.65%-8.15%-8.80%-933 bps
Loan Growth (YoY)-10.89%-24.20%-28.65%-33.30%-36.30%-2,540 bps
Share Growth (YoY)-0.66%-13.24%-13.44%-10.20%-10.57%-991 bps
Asset Quality
Delinquent Loans / Loans2.99%3.02%1.86%2.27%2.15%-84 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.82%3.14%3.70%2.45%2.41%-42 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 / Shares73.40%71.82%58.15%60.84%52.28%-2,112 bps
Liquid Assets / Assets10.60%23.79%31.19%10.13%36.70%+2,610 bps