PackageTrendsPeer
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Mead Central

Meadville, PA · Charter 8856

Q4 1998

$1.4MAssets
$917KLoans
$1.3MShares
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 3.74%, up 34 bps year over year.
  • Asset quality: problem loans at 1.30% of loans (+51 bps YoY).
  • Funding: loans stand at 72.55% of shares as of Q4 1998.

Financial Results

Return on Assets (YTD, annualized)

3.74%+34 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ4 1996Q2 1997Q4 1997Q2 1998Q4 1998YoY ΔTrend
Earnings
Return on Assets3.40%2.97%3.71%3.68%3.74%+34 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)-7.67%-7.94%-8.11%-6.98%-0.62%+704 bps
Loan Growth (YoY)-2.43%-2.17%0.85%-11.59%-14.53%-1,210 bps
Share Growth (YoY)-8.91%-9.32%-10.43%-7.93%-0.16%+875 bps
Asset Quality
Delinquent Loans / Loans0.79%0.68%1.04%0.33%1.30%+51 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.41%0.85%0.92%0.42%0.71%+30 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 / Shares84.74%85.83%84.71%74.81%72.55%-1,220 bps
Liquid Assets / Assets1.91%17.04%20.76%28.16%29.27%+2,736 bps