PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

B.v.g.&E. Employees/

Lincoln, RI · Charter 65802

Q4 1998

$3.3MAssets
$2.0MLoans
$3.0MShares
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 3.22%, down 44 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (-30 bps YoY).
  • Funding: loans stand at 66.67% of shares as of Q4 1998.

Financial Results

Return on Assets (YTD, annualized)

3.22%-44 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 Assets3.66%3.19%3.55%2.85%3.22%-44 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)-8.25%-9.57%-11.64%-7.62%-20.62%-1,237 bps
Loan Growth (YoY)-4.86%-4.40%-5.78%-8.39%-21.62%-1,677 bps
Share Growth (YoY)-11.22%-12.97%-14.70%-10.52%-13.48%-225 bps
Asset Quality
Delinquent Loans / Loans0.30%0.17%0.00%0.00%0.00%-30 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.36%0.98%0.75%0.72%0.46%-90 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 / Shares73.60%74.21%76.28%67.34%66.67%-693 bps
Liquid Assets / Assets19.72%19.43%31.20%38.35%34.59%+1,487 bps