Tilton, NH · Charter 7480
Q4 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1999, the quarter ended December 31, 1999, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Tilton, NH · Charter 7480
Q4 1999
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.39% | 3.68% | 6.29% | 3.08% | 0.40% | -399 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | 3.66% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 89.53% | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 5.33% | 21.89% | 27.19% | 24.24% | 29.83% | +2,450 bps | |
| Loan Growth (YoY) | -14.98% | -9.57% | -20.53% | -33.51% | -38.44% | -2,346 bps | |
| Share Growth (YoY) | 10.97% | 22.92% | 26.64% | 23.66% | 31.79% | +2,081 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.32% | 2.40% | 4.72% | 8.33% | 14.03% | +1,071 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 6.76% | 7.12% | 4.45% | 5.83% | 5.72% | -104 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 100.92% | 76.44% | 69.99% | 55.42% | 47.14% | -5,378 bps | |
| Liquid Assets / Assets | 19.11% | 33.04% | 39.08% | 52.46% | 53.73% | +3,462 bps | |