PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Shoreline Credit Union, Inc.

Madison, CT · Charter 66040

Q2 1999

$3.1MAssets
$1.4MLoans
$2.9MShares
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 2.57%, down 5 bps year over year.
  • Asset quality: problem loans at 3.40% of loans (+264 bps YoY).
  • Funding: loans stand at 49.84% of shares as of Q2 1999.

Financial Results

Return on Assets (quarter, annualized)

2.57%-5 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets2.62%2.49%3.15%3.30%2.57%-5 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)-8.93%-1.87%-11.25%-14.12%-8.20%+73 bps
Loan Growth (YoY)23.10%11.45%-7.25%-32.07%-43.57%-6,667 bps
Share Growth (YoY)-9.66%-1.91%-12.68%-16.17%-9.27%+39 bps
Asset Quality
Delinquent Loans / Loans0.76%0.34%0.06%0.21%3.40%+264 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.31%1.43%1.49%1.75%2.07%+76 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 / Shares80.14%77.13%62.69%63.66%49.84%-3,030 bps
Liquid Assets / Assets11.24%23.88%2.29%35.77%9.38%-187 bps