PackageTrendsPeer
Letter portraitLegal landscape

Chicago Pneumatic Tool UT Emp

Utica, NY · Charter 6909

Q4 1998

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 1998, the quarter ended December 31, 1998, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Chicago Pneumatic Tool UT Emp

Utica, NY · Charter 6909

Q4 1998

$1.1MAssets
$41KLoans
$771KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 3.23%, up 589 bps year over year.
  • Asset quality: problem loans at 40.50% of loans (+3,338 bps YoY).
  • Funding: loans stand at 5.32% of shares as of Q4 1998.

Return on Assets (YTD, annualized)

3.23%+589 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1995Q4 1995Q2 1996Q4 1996Q2 1997Q4 1997Q2 1998Q4 1998YoY ΔTrend
Earnings
Return on Assets3.27%3.33%3.01%-2.67%1.54%-0.92%1.52%3.23%+589 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/a-19.97%-25.19%-34.61%-40.84%-44.03%-38.69%-1,350 bps
Loan Growth (YoY)n/an/a-13.13%-42.49%-75.13%-84.79%-87.43%-89.01%-4,652 bps
Share Growth (YoY)n/an/a-25.97%-25.38%-36.24%-41.63%-45.27%-45.18%-1,980 bps
Asset Quality
Delinquent Loans / Loans2.57%1.86%4.75%7.13%18.50%32.22%21.93%40.50%+3,338 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans3.28%3.38%3.36%27.14%52.42%82.84%100.00%100.00%+7,286 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares41.33%41.44%36.35%26.55%16.12%10.79%8.35%5.32%-2,123 bps
Liquid Assets / Assets9.10%24.12%69.23%71.80%68.75%24.93%15.81%13.99%-5,782 bps