Aliquippa, PA · Charter 10681
Q4 2007
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 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.74% | 1.42% | 1.32% | 1.21% | 0.47% | -27 bps | |
| Return on Equity | 6.16% | 11.98% | 10.66% | 9.27% | 3.68% | -248 bps | |
| Net Interest Margin | 3.88% | 3.78% | 3.88% | 4.04% | 4.00% | +12 bps | |
| Efficiency Ratio | 81.46% | 71.66% | 73.24% | 73.46% | 85.71% | +425 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.78% | 1.13% | 0.52% | -1.10% | -2.24% | -46 bps | |
| Loan Growth (YoY) | 6.64% | 4.84% | 4.82% | 2.85% | 1.89% | -475 bps | |
| Share Growth (YoY) | -3.12% | 0.05% | -0.37% | -2.35% | -2.98% | +14 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.67% | 0.47% | 0.51% | 0.75% | 1.36% | +69 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.24% | 0.20% | 0.19% | 0.21% | 0.25% | +1 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.98% | 11.88% | 12.36% | 13.01% | 12.72% | +74 bps | |
| Net Worth / Assets | 11.98% | 11.88% | 12.36% | 13.01% | 12.72% | +74 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 71.98% | 67.43% | 71.43% | 75.15% | 75.59% | +361 bps | |
| Liquid Assets / Assets | 98.70% | 97.47% | 98.96% | 0.00% | 99.75% | +105 bps | |