PackageTrendsPeer
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Community Credit Union, Inc.

Ansonia, CT · Charter 66051

Q4 1998

$1.3MAssets
$910KLoans
$1.3MShares
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 3.74%, down 109 bps year over year.
  • Asset quality: problem loans at 2.74% of loans (+225 bps YoY).
  • Funding: loans stand at 72.46% of shares as of Q4 1998.

Financial Results

Return on Assets (YTD, annualized)

3.74%-109 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 Assets4.83%3.78%4.20%3.70%3.74%-109 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)18.76%15.96%9.85%2.91%19.04%+29 bps
Loan Growth (YoY)41.32%5.94%-1.18%-9.50%-13.42%-5,474 bps
Share Growth (YoY)15.44%13.37%7.80%0.92%17.89%+245 bps
Asset Quality
Delinquent Loans / Loans0.49%0.65%1.20%1.24%2.74%+225 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.74%3.92%4.56%4.44%5.05%+132 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 / Shares98.66%85.03%86.68%74.99%72.46%-2,621 bps
Liquid Assets / Assets5.50%15.18%15.16%30.78%22.97%+1,747 bps