PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Gateway Community

Madison, WI · Charter 66563

Q4 1999

$7.4MAssets
$6.5MLoans
$6.6MShares
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 0.21%, down 234 bps year over year; NIM at 5.10%.
  • Asset quality: problem loans at 2.11% of loans (+49 bps YoY).
  • Funding: loans stand at 98.53% of shares as of Q4 1999.

Financial Results

Return on Assets (YTD, annualized)

0.21%-234 bps YoY

Net Interest Margin (YTD, annualized)

5.10%

Efficiency Ratio (YTD, annualized)

90.04%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets2.55%3.26%3.79%3.08%0.21%-234 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a5.10%n/an/a
Efficiency Ration/an/an/an/a90.04%n/an/a
Growth
Asset Growth (YoY)20.72%5.96%8.76%1.55%-6.84%-2,756 bps
Loan Growth (YoY)31.91%34.40%23.24%6.68%-8.59%-4,050 bps
Share Growth (YoY)17.50%7.32%9.30%1.20%-3.48%-2,098 bps
Asset Quality
Delinquent Loans / Loans1.62%1.82%2.21%1.44%2.11%+49 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.62%0.92%1.02%0.41%0.67%+6 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 / Shares104.04%97.41%92.99%93.20%98.53%-551 bps
Liquid Assets / Assets4.18%7.18%11.92%10.61%0.35%-384 bps