PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Lowell Electric Light Employees

Haverhill, MA · Charter 67986

Q4 1999

$2.7MAssets
$1.4MLoans
$2.3MShares
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 0.51%, down 392 bps year over year; NIM at 3.32%.
  • Asset quality: problem loans at 0.44% of loans (+44 bps YoY).
  • Funding: loans stand at 61.93% of shares as of Q4 1999.

Financial Results

Return on Assets (quarter, annualized)

0.51%-392 bps YoY

Net Interest Margin (quarter, annualized)

3.32%

Efficiency Ratio (quarter, annualized)

85.57%

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets4.43%3.78%4.22%4.06%0.51%-392 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a3.32%n/an/a
Efficiency Ration/an/an/an/a85.57%n/an/a
Growth
Asset Growth (YoY)-1.84%-4.76%-9.33%-7.29%-3.66%-181 bps
Loan Growth (YoY)35.77%18.89%1.02%-18.81%-16.61%-5,238 bps
Share Growth (YoY)-7.54%-6.83%-12.05%-9.84%-5.80%+173 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.25%0.29%0.44%+44 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.66%1.68%1.90%2.07%2.09%+43 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 / Shares69.96%67.69%65.30%59.40%61.93%-803 bps
Liquid Assets / Assets22.45%22.60%26.11%34.06%15.22%-723 bps