PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

A D L Employees

Cambridge, MA · Charter 8437

Q2 2000

$5.0MAssets
$2.8MLoans
$4.3MShares
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 -1.42%, down 525 bps year over year; NIM at 4.03%.
  • Asset quality: problem loans at 0.19% of loans (-141 bps YoY).
  • Funding: loans stand at 64.64% of shares as of Q2 2000.

Financial Results

Return on Assets (quarter, annualized)

-1.42%-525 bps YoY

Net Interest Margin (quarter, annualized)

4.03%

Efficiency Ratio (quarter, annualized)

133.37%

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000YoY ΔTrend
Earnings
Return on Assets3.84%4.14%3.55%0.58%-1.42%-525 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a3.78%4.03%n/a
Efficiency Ration/an/an/a82.63%133.37%n/a
Growth
Asset Growth (YoY)9.89%-1.21%-5.38%-11.86%-24.84%-3,474 bps
Loan Growth (YoY)-6.00%-8.11%-17.75%-12.71%-15.41%-942 bps
Share Growth (YoY)9.24%-2.91%-7.11%-14.35%-27.56%-3,680 bps
Asset Quality
Delinquent Loans / Loans1.59%0.67%0.62%1.12%0.19%-141 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.13%1.02%0.72%0.72%0.45%-68 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 / Shares55.36%60.90%54.33%62.38%64.64%+928 bps
Liquid Assets / Assets24.16%23.58%36.60%24.94%2.79%-2,137 bps