PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Lewis Engineering Employees

Naugatuck, CT · Charter 65916

Q2 1999

$206KAssets
$148KLoans
$173KShares
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 2.22%, up 50 bps year over year.
  • Asset quality: problem loans at 6.00% of loans (+488 bps YoY).
  • Funding: loans stand at 85.49% of shares as of Q2 1999.

Financial Results

Return on Assets (YTD, annualized)

2.22%+50 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 Assets1.72%2.39%2.41%2.85%2.22%+50 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)-4.64%-4.20%-0.59%-4.90%-11.59%-694 bps
Loan Growth (YoY)-5.27%21.63%74.69%87.56%95.50%+10,077 bps
Share Growth (YoY)-5.58%-5.34%-1.72%-7.64%-15.75%-1,017 bps
Asset Quality
Delinquent Loans / Loans1.12%0.71%0.00%0.00%6.00%+488 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.27%3.27%2.54%2.67%2.79%-48 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 / Shares36.84%52.64%68.95%88.48%85.49%+4,865 bps
Liquid Assets / Assets67.19%44.63%33.81%20.10%24.80%-4,239 bps