PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Fitchburg Postal Emp.

Fitchburg, MA · Charter 67740

Q4 1997

$284KAssets
$177KLoans
$187KShares
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 4.35%, up 141 bps year over year.
  • Asset quality: problem loans at 2.61% of loans (-416 bps YoY).
  • Funding: loans stand at 94.79% of shares as of Q4 1997.

Financial Results

Return on Assets (YTD, annualized)

4.35%+141 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 1995Q2 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets2.94%-1.61%-1.21%3.66%4.35%+141 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)n/a-19.49%-23.10%-22.89%-31.94%n/a
Loan Growth (YoY)n/a-2.33%-8.96%-14.69%-28.49%n/a
Share Growth (YoY)n/a-25.26%-18.52%-31.64%-39.42%n/a
Asset Quality
Delinquent Loans / Loans6.77%0.82%1.09%4.25%2.61%-416 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.13%0.85%2.33%2.72%0.00%-113 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 / Shares80.30%84.12%92.39%100.72%94.79%+1,449 bps
Liquid Assets / Assets31.03%33.75%26.30%31.93%32.68%+164 bps