PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Pine Cone

Syracuse, NY · Charter 6630

Q4 1998

$5.3MAssets
$2.3MLoans
$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 3.05%, up 12 bps year over year.
  • Asset quality: problem loans at 0.44% of loans (+32 bps YoY).
  • Funding: loans stand at 54.02% of shares as of Q4 1998.

Financial Results

Return on Assets (YTD, annualized)

3.05%+12 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 Assets2.93%0.72%2.18%3.19%3.05%+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)-20.75%-14.92%-11.94%-8.23%-1.05%+1,970 bps
Loan Growth (YoY)-21.94%-26.57%-33.41%-22.48%-16.45%+549 bps
Share Growth (YoY)-24.26%-15.63%-13.52%-8.89%-1.51%+2,275 bps
Asset Quality
Delinquent Loans / Loans0.13%0.31%0.47%0.86%0.44%+32 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.08%0.37%0.30%0.40%0.21%+13 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 / Shares63.68%53.30%50.60%53.51%54.02%-966 bps
Liquid Assets / Assets40.26%43.20%41.20%45.01%48.04%+778 bps