PackageTrendsPeer
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Lowell Sun Employees

Lowell, MA · Charter 67857

Q4 1997

$1.1MAssets
$344KLoans
$900KShares
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 3.32%, down 78 bps year over year.
  • Asset quality: problem loans at 1.38% of loans (-13 bps YoY).
  • Funding: loans stand at 38.22% of shares as of Q4 1997.

Financial Results

Return on Assets (quarter, annualized)

3.32%-78 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1995Q2 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets4.10%3.63%3.93%3.24%3.32%-78 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-12.12%-10.57%-12.77%-6.10%n/a
Loan Growth (YoY)n/a-10.48%-8.69%-10.49%-30.97%n/a
Share Growth (YoY)n/a-15.10%-18.84%-16.31%-8.95%n/a
Asset Quality
Delinquent Loans / Loans1.50%0.00%2.76%2.18%1.38%-13 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.35%0.58%0.58%0.50%0.58%-77 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 / Shares50.41%49.92%60.43%52.55%38.22%-1,219 bps
Liquid Assets / Assets28.53%30.58%25.03%50.55%62.76%+3,424 bps