PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Aliquippa Regional Credit Union

Aliquippa, PA · Charter 68202

Q4 1998

$588KAssets
$268KLoans
$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 -9.40%, down 480 bps year over year.
  • Asset quality: problem loans at 15.29% of loans.
  • Funding: loans stand at 49.85% of shares as of Q4 1998.

Financial Results

Return on Assets (quarter, annualized)

-9.40%-480 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1996Q2 1997Q4 1997Q2 1998Q4 1998YoY ΔTrend
Earnings
Return on Assets-4.60%-10.94%1.16%-3.53%-9.40%-480 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/an/an/an/a2188%n/an/a
Loan Growth (YoY)n/an/an/an/an/an/an/a
Share Growth (YoY)n/an/an/an/a2362%n/an/a
Asset Quality
Delinquent Loans / Loansn/a3.46%0.54%2.22%15.29%n/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/a0.00%0.92%3.59%26.94%n/a
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares0.00%28.81%62.23%67.32%49.85%+4,985 bps
Liquid Assets / Assets0.02%42.77%13.64%21.63%46.30%+4,628 bps