PackageTrendsPeer
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Natick QM

Natick, MA · Charter 9618

Q2 1998

$1.7MAssets
$965KLoans
$1.6MShares
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 1.48%, down 175 bps year over year.
  • Asset quality: problem loans at 5.28% of loans (+144 bps YoY).
  • Funding: loans stand at 61.98% of shares as of Q2 1998.

Financial Results

Return on Assets (YTD, annualized)

1.48%-175 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 1996Q4 1996Q2 1997Q4 1997Q2 1998YoY ΔTrend
Earnings
Return on Assets3.23%2.70%1.80%2.50%1.48%-175 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)-13.87%-5.52%-7.73%-0.27%3.16%+1,702 bps
Loan Growth (YoY)18.63%7.56%-7.10%-8.63%-17.47%-3,610 bps
Share Growth (YoY)-15.78%-12.52%-8.86%-0.68%4.00%+1,978 bps
Asset Quality
Delinquent Loans / Loans3.84%4.68%4.79%5.58%5.28%+144 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.76%2.08%1.78%1.99%2.32%+56 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 / Shares78.10%77.46%79.28%70.46%61.98%-1,612 bps
Liquid Assets / Assets18.41%24.99%14.58%13.76%21.16%+275 bps