PackageTrendsPeer
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Alliance

Pawtucket, RI · Charter 67046

Q2 2000

$18.0MAssets
$9.1MLoans
$13.8MShares
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 0.62%, down 188 bps year over year; NIM at 3.96%.
  • Asset quality: problem loans at 0.45% of loans (-41 bps YoY).
  • Funding: loans stand at 66.10% of shares as of Q2 2000.

Financial Results

Return on Assets (quarter, annualized)

0.62%-188 bps YoY

Net Interest Margin (quarter, annualized)

3.96%

Efficiency Ratio (quarter, annualized)

83.55%

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000YoY ΔTrend
Earnings
Return on Assets2.50%2.71%2.79%0.58%0.62%-188 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a4.16%3.96%n/a
Efficiency Ration/an/an/a86.35%83.55%n/a
Growth
Asset Growth (YoY)6.15%12.06%18.23%13.81%13.12%+698 bps
Loan Growth (YoY)1.04%4.16%0.30%5.03%13.40%+1,236 bps
Share Growth (YoY)7.65%16.22%24.66%18.72%16.26%+862 bps
Asset Quality
Delinquent Loans / Loans0.86%0.89%0.90%0.30%0.45%-41 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.97%1.90%1.98%1.89%1.64%-33 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 / Shares67.77%75.51%60.65%71.83%66.10%-167 bps
Liquid Assets / Assets39.93%24.42%28.73%17.61%25.04%-1,488 bps