PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Heli-Coil Employees

Danbury, CT · Charter 66047

Q2 1999

$753KAssets
$454KLoans
$593KShares
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 4.13%, up 12 bps year over year.
  • Asset quality: problem loans at 1.43% of loans (-250 bps YoY).
  • Funding: loans stand at 76.50% of shares as of Q2 1999.

Financial Results

Return on Assets (quarter, annualized)

4.13%+12 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 Assets4.01%1.25%3.27%3.53%4.13%+12 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)2.53%7.17%6.97%2.21%-7.82%-1,035 bps
Loan Growth (YoY)39.70%11.09%4.49%12.67%-27.60%-6,730 bps
Share Growth (YoY)1.78%10.92%10.57%5.00%-7.93%-970 bps
Asset Quality
Delinquent Loans / Loans3.93%1.38%0.22%3.03%1.43%-250 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.89%1.67%1.91%2.17%2.51%+162 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 / Shares97.29%80.03%68.52%78.40%76.50%-2,078 bps
Liquid Assets / Assets18.45%34.96%38.59%34.87%29.74%+1,129 bps