PackageTrendsPeer
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Feather Flex

New Bedford, MA · Charter 9484

Q2 1999

$2.8MAssets
$448KLoans
$2.4MShares
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 4.86%, down 89 bps year over year.
  • Asset quality: problem loans at 4.99% of loans (+437 bps YoY).
  • Funding: loans stand at 18.38% of shares as of Q2 1999.

Financial Results

Return on Assets (YTD, annualized)

4.86%-89 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.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets5.75%5.41%5.17%5.13%4.86%-89 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)0.38%-3.24%-1.02%-9.35%2.22%+184 bps
Loan Growth (YoY)-10.71%-24.84%-36.03%-39.09%-44.50%-3,379 bps
Share Growth (YoY)-0.25%-3.73%-0.98%-10.38%2.39%+264 bps
Asset Quality
Delinquent Loans / Loans0.62%2.45%2.06%0.87%4.99%+437 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans4.63%5.07%5.65%6.35%6.28%+165 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 / Shares33.90%31.28%26.95%25.74%18.38%-1,553 bps
Liquid Assets / Assets67.49%64.28%58.91%73.89%77.35%+986 bps