PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

S.O.D. Employees

Romulus, NY · Charter 6523

Q4 1998

$3.2MAssets
$845KLoans
$2.3MShares
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 3.67%, down 119 bps year over year.
  • Asset quality: problem loans at 14.32% of loans (+1,185 bps YoY).
  • Funding: loans stand at 36.84% of shares as of Q4 1998.

Financial Results

Return on Assets (YTD, annualized)

3.67%-119 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 Assets4.86%4.62%3.82%4.03%3.67%-119 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)-20.98%-20.81%-22.83%-23.49%-19.34%+164 bps
Loan Growth (YoY)-25.74%-30.58%-30.87%-28.28%-38.50%-1,276 bps
Share Growth (YoY)-27.24%-28.03%-29.99%-31.29%-26.60%+64 bps
Asset Quality
Delinquent Loans / Loans2.47%2.32%13.02%13.87%14.32%+1,185 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.58%3.66%5.73%7.49%9.22%+563 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 / Shares43.97%43.49%45.04%45.07%36.84%-713 bps
Liquid Assets / Assets63.22%66.87%66.89%58.54%61.99%-123 bps