PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Lowell Postal Employees

Lowell, MA · Charter 67843

Q4 1999

$4.9MAssets
$3.3MLoans
$4.7MShares
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 -2.47%, down 766 bps year over year; NIM at 4.98%.
  • Asset quality: problem loans at 1.05% of loans (-10 bps YoY).
  • Funding: loans stand at 69.93% of shares as of Q4 1999.

Financial Results

Return on Assets (YTD, annualized)

-2.47%-766 bps YoY

Net Interest Margin (YTD, annualized)

4.98%

Efficiency Ratio (YTD, annualized)

77.62%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets5.19%4.24%2.64%2.20%-2.47%-766 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a4.98%n/an/a
Efficiency Ration/an/an/an/a77.62%n/an/a
Growth
Asset Growth (YoY)35.41%37.11%26.11%35.19%31.54%-387 bps
Loan Growth (YoY)67.42%35.27%26.56%21.11%0.08%-6,735 bps
Share Growth (YoY)36.55%38.77%28.83%41.11%41.06%+451 bps
Asset Quality
Delinquent Loans / Loans1.15%2.01%2.15%2.80%1.05%-10 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.93%1.04%0.90%2.10%2.25%+132 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 / Shares98.57%89.60%89.53%76.30%69.93%-2,864 bps
Liquid Assets / Assets7.31%14.97%12.58%23.14%25.61%+1,830 bps