PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Southwestern Area

Lakewood, NY · Charter 7694

Q2 1999

$3.6MAssets
$2.0MLoans
$3.1MShares
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 2.98%, down 141 bps year over year.
  • Asset quality: problem loans at 0.60% of loans (+25 bps YoY).
  • Funding: loans stand at 62.51% of shares as of Q2 1999.

Financial Results

Return on Assets (quarter, annualized)

2.98%-141 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets4.39%4.72%3.82%3.93%2.98%-141 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)-1.32%0.03%1.43%4.60%14.96%+1,628 bps
Loan Growth (YoY)-2.85%-0.93%2.30%-3.07%-3.22%-37 bps
Share Growth (YoY)-3.53%-2.30%-0.20%3.52%15.99%+1,952 bps
Asset Quality
Delinquent Loans / Loans0.35%0.74%0.46%1.52%0.60%+25 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.60%0.38%0.43%0.43%0.36%-24 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 / Shares74.92%78.33%70.72%77.73%62.51%-1,241 bps
Liquid Assets / Assets12.69%10.87%15.49%20.96%31.69%+1,900 bps