PackageTrendsPeer
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Tramco

Denver, CO · Charter 66071

Q4 1999

$5.2MAssets
$3.5MLoans
$4.2MShares
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 -1.89%, down 573 bps year over year; NIM at 4.67%.
  • Asset quality: problem loans at 0.91% of loans (-85 bps YoY).
  • Funding: loans stand at 83.59% of shares as of Q4 1999.

Financial Results

Return on Assets (quarter, annualized)

-1.89%-573 bps YoY

Net Interest Margin (quarter, annualized)

4.67%

Efficiency Ratio (quarter, annualized)

107.96%

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets3.85%2.99%3.18%2.85%-1.89%-573 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a4.67%n/an/a
Efficiency Ration/an/an/an/a107.96%n/an/a
Growth
Asset Growth (YoY)16.96%14.02%23.02%2.34%-9.20%-2,616 bps
Loan Growth (YoY)3.99%0.57%5.19%8.08%14.28%+1,029 bps
Share Growth (YoY)18.93%16.14%26.90%1.95%-10.09%-2,902 bps
Asset Quality
Delinquent Loans / Loans1.76%1.73%2.70%2.86%0.91%-85 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.77%0.56%0.64%0.59%1.22%+46 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 / Shares65.77%67.49%65.36%73.19%83.59%+1,782 bps
Liquid Assets / Assets33.04%35.58%39.16%33.44%11.61%-2,143 bps