PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Universal Wire Division Employees

Clinton, CT · Charter 66045

Q2 1999

$172KAssets
$57KLoans
$152KShares
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 0.27%, down 290 bps year over year.
  • Asset quality: problem loans at 4.52% of loans (+452 bps YoY).
  • Funding: loans stand at 37.74% of shares as of Q2 1999.

Financial Results

Return on Assets (quarter, annualized)

0.27%-290 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 Assets3.17%3.45%4.20%3.42%0.27%-290 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)1.02%12.50%22.27%60.60%39.60%+3,858 bps
Loan Growth (YoY)17.97%39.47%20.96%10.94%37.04%+1,907 bps
Share Growth (YoY)0.40%13.12%23.55%67.34%41.97%+4,157 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%3.33%4.52%+452 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.83%2.51%2.84%2.95%4.16%+33 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 / Shares39.10%55.22%42.89%36.13%37.74%-136 bps
Liquid Assets / Assets41.77%39.06%35.52%31.00%31.80%-997 bps