East Pittsburgh, PA · Charter 1032
Q1 2005
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.87% | -0.81% | -0.88% | -3.70% | -3.38% | -251 bps | |
| Return on Equity | -5.18% | -4.83% | -5.16% | -25.47% | -24.85% | -1,967 bps | |
| Net Interest Margin | 3.90% | 3.96% | 4.13% | 1.40% | 3.77% | -13 bps | |
| Efficiency Ratio | 119.94% | 118.07% | 116.53% | 288% | 119.92% | -1 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.78% | -4.89% | -6.60% | -6.44% | -6.28% | -250 bps | |
| Loan Growth (YoY) | -15.42% | -17.86% | -14.93% | -13.51% | -20.01% | -459 bps | |
| Share Growth (YoY) | -3.59% | -4.85% | -6.76% | -3.46% | -2.56% | +103 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.85% | 1.97% | 2.66% | 0.68% | 1.35% | -50 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.00% | 0.91% | 1.14% | 0.09% | 1.46% | +46 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.78% | 16.69% | 17.12% | 14.54% | 13.61% | -317 bps | |
| Net Worth / Assets | 16.78% | 16.69% | 17.12% | 14.54% | 13.61% | -317 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 54.52% | 52.03% | 52.23% | 50.78% | 44.76% | -976 bps | |
| Liquid Assets / Assets | 31.58% | 8.60% | 10.73% | 27.74% | 29.07% | -250 bps | |