PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

K. P.

Dover, NH · Charter 66234

Q4 1999

$2.1MAssets
$1.3MLoans
$1.9MShares
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 1.00%, down 301 bps year over year; NIM at 4.42%.
  • Asset quality: problem loans at 1.87% of loans (-121 bps YoY).
  • Funding: loans stand at 69.21% of shares as of Q4 1999.

Financial Results

Return on Assets (quarter, annualized)

1.00%-301 bps YoY

Net Interest Margin (quarter, annualized)

4.42%

Efficiency Ratio (quarter, annualized)

79.77%

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets4.01%3.34%3.64%3.17%1.00%-301 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a4.42%n/an/a
Efficiency Ration/an/an/an/a79.77%n/an/a
Growth
Asset Growth (YoY)-3.17%-10.52%2.78%0.81%2.25%+542 bps
Loan Growth (YoY)4.67%7.43%1.77%-11.30%13.26%+859 bps
Share Growth (YoY)-6.36%-13.80%0.40%-1.11%0.76%+712 bps
Asset Quality
Delinquent Loans / Loans3.07%0.51%0.98%3.28%1.87%-121 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.05%1.46%1.25%1.54%1.75%-30 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 / Shares61.57%60.69%68.08%58.37%69.21%+764 bps
Liquid Assets / Assets30.17%33.96%27.48%33.17%28.17%-201 bps