PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Belknap County Federal Employees

Laconia, NH · Charter 65718

Q4 1997

$322KAssets
$196KLoans
$252KShares
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 3.97%, up 53 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (-138 bps YoY).
  • Funding: loans stand at 77.65% of shares as of Q4 1997.

Financial Results

Return on Assets (YTD, annualized)

3.97%+53 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 1995Q2 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets3.43%3.36%3.33%2.61%3.97%+53 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)n/a-19.38%-20.88%-10.46%-5.15%n/a
Loan Growth (YoY)n/a-31.99%-43.40%-45.01%-34.26%n/a
Share Growth (YoY)n/a-23.35%-24.95%-12.40%-6.56%n/a
Asset Quality
Delinquent Loans / Loans1.38%5.00%3.35%2.59%0.00%-138 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.33%3.10%3.49%4.08%3.68%+135 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 / Shares110.36%85.64%80.18%67.46%77.65%-3,271 bps
Liquid Assets / Assets1.01%15.13%24.97%47.88%40.44%+3,943 bps