Erie, PA · Charter 10342
Q2 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2001, the quarter ended June 30, 2001, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Erie, PA · Charter 10342
Q2 2001
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 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.36% | -0.44% | 0.74% | 0.97% | 0.12% | -224 bps | |
| Return on Equity | n/a | n/a | n/a | 6.79% | 0.88% | n/a | |
| Net Interest Margin | n/a | 4.64% | 5.10% | 6.03% | 4.94% | n/a | |
| Efficiency Ratio | n/a | 89.42% | 83.44% | 82.30% | 91.50% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 22.33% | 19.27% | -3.79% | -16.59% | -24.56% | -4,689 bps | |
| Loan Growth (YoY) | -8.67% | 4.88% | 13.89% | -0.19% | 6.12% | +1,479 bps | |
| Share Growth (YoY) | 23.48% | 21.70% | -4.66% | -19.03% | -27.77% | -5,125 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.51% | 3.95% | 3.57% | 1.33% | 0.51% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 1.10% | 1.45% | 1.40% | 1.20% | +120 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 14.32% | 13.76% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 14.32% | 13.76% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 53.35% | 72.20% | 79.11% | 84.76% | 78.39% | +2,504 bps | |
| Liquid Assets / Assets | 48.84% | 0.00% | 0.00% | 123.49% | 30.58% | -1,826 bps | |