PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Hudson River

Corinth, NY · Charter 9412

Q4 1997

$39.9MAssets
$31.6MLoans
$34.6MShares
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 4.26%, down 33 bps year over year.
  • Asset quality: problem loans at 0.91% of loans (-64 bps YoY).
  • Funding: loans stand at 91.35% of shares as of Q4 1997.

Financial Results

Return on Assets (YTD, annualized)

4.26%-33 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 1995Q2 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets4.58%4.49%4.51%3.99%4.26%-33 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/a8.52%7.48%14.74%12.55%n/a
Loan Growth (YoY)n/a18.54%16.92%14.07%12.93%n/a
Share Growth (YoY)n/a3.54%4.80%12.18%10.54%n/a
Asset Quality
Delinquent Loans / Loans1.55%1.26%1.27%0.62%0.91%-64 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.01%0.93%0.82%0.62%0.70%-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 / Shares89.42%87.45%96.67%89.24%91.35%+193 bps
Liquid Assets / Assets17.01%16.45%8.03%17.03%14.57%-245 bps