PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

United Community

Port Huron, MI · Charter 7216

Q4 1998

$8.4MAssets
$4.9MLoans
$7.6MShares
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 1.49%, down 199 bps year over year.
  • Asset quality: problem loans at 1.38% of loans (+38 bps YoY).
  • Funding: loans stand at 64.15% of shares as of Q4 1998.

Financial Results

Return on Assets (quarter, annualized)

1.49%-199 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 Assets3.48%3.26%3.65%3.27%1.49%-199 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)-5.49%13.24%4.79%9.11%20.14%+2,563 bps
Loan Growth (YoY)-1.33%0.45%4.92%9.39%1.87%+321 bps
Share Growth (YoY)-7.93%12.48%2.76%7.62%22.58%+3,051 bps
Asset Quality
Delinquent Loans / Loans1.00%1.21%1.76%1.41%1.38%+38 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.53%1.19%1.12%1.02%1.21%-33 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 / Shares77.18%73.03%80.27%73.92%64.15%-1,304 bps
Liquid Assets / Assets25.47%30.45%24.87%29.63%38.18%+1,271 bps