PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Lenders Credit Union

Moorestown, NJ · Charter 68183

Q2 2000

$549KAssets
$77KLoans
$538KShares
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 0.01%, down 128 bps year over year; NIM at 3.45%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 14.34% of shares as of Q2 2000.

Financial Results

Return on Assets (YTD, annualized)

0.01%-128 bps YoY

Net Interest Margin (YTD, annualized)

3.45%

Efficiency Ratio (YTD, annualized)

99.28%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000YoY ΔTrend
Earnings
Return on Assets1.29%1.18%2.11%0.03%0.01%-128 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a2.74%3.45%n/a
Efficiency Ration/an/an/a99.10%99.28%n/a
Growth
Asset Growth (YoY)-5.98%19.80%-31.64%-9.64%-8.46%-248 bps
Loan Growth (YoY)n/an/an/a2493%2762%n/a
Share Growth (YoY)-7.95%19.32%-32.63%-10.18%-7.57%+37 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans8.35%11.00%7.94%0.70%0.62%-773 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 / Shares0.46%0.53%1.33%10.89%14.34%+1,388 bps
Liquid Assets / Assets95.20%76.24%81.42%81.39%44.66%-5,054 bps