PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Inner-Tite Employees

Holden, MA · Charter 8696

Q4 1997

$200KAssets
$112KLoans
$156KShares
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 4.08%, up 127 bps year over year.
  • Asset quality: problem loans at 9.43% of loans (+546 bps YoY).
  • Funding: loans stand at 72.19% of shares as of Q4 1997.

Financial Results

Return on Assets (quarter, annualized)

4.08%+127 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1995Q2 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets2.81%3.71%4.06%4.48%4.08%+127 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)n/a-10.65%-25.87%-16.20%-18.51%n/a
Loan Growth (YoY)n/a-4.73%-30.43%-46.82%-47.12%n/a
Share Growth (YoY)n/a-13.16%-21.83%-20.63%-22.54%n/a
Asset Quality
Delinquent Loans / Loans3.96%6.14%4.55%7.78%9.43%+546 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.34%2.98%3.84%2.90%3.05%+71 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 / Shares105.75%95.11%94.41%69.22%72.19%-3,356 bps
Liquid Assets / Assets8.42%15.71%21.87%22.72%40.66%+3,223 bps