PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Jci Erie Employees

Erie, PA · Charter 10342

Q2 2001

$998KAssets
$673KLoans
$859KShares
$137KNet 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 0.12%, down 224 bps year over year; NIM at 4.94%.
  • Asset quality: problem loans at 0.51% of loans (0 bps YoY).
  • Capital: net worth / assets of 13.76%.
  • Funding: loans stand at 78.39% of shares as of Q2 2001.

Financial Results

Return on Assets (YTD, annualized)

0.12%-224 bps YoY

Net Interest Margin (YTD, annualized)

4.94%

Efficiency Ratio (YTD, annualized)

91.50%

Net Worth / Assets

13.76%

Year to date, annualized, through each quarter.

MetricQ2 1999Q4 1999Q2 2000Q4 2000Q2 2001YoY ΔTrend
Earnings
Return on Assets2.36%-0.44%0.74%0.97%0.12%-224 bps
Return on Equityn/an/an/a6.79%0.88%n/a
Net Interest Marginn/a4.64%5.10%6.03%4.94%n/a
Efficiency Ration/a89.42%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 / Loans0.51%3.95%3.57%1.33%0.51%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%1.10%1.45%1.40%1.20%+120 bps
Capital
Risk-Based Capitaln/an/an/a14.32%13.76%n/a
Net Worth / Assetsn/an/an/a14.32%13.76%n/a
Liquidity & Funding
Loans / Shares53.35%72.20%79.11%84.76%78.39%+2,504 bps
Liquid Assets / Assets48.84%0.00%0.00%123.49%30.58%-1,826 bps