PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

A P C I Plant 4

Wilkes-Barre, PA · Charter 11337

Q2 1997

$1.5MAssets
$473KLoans
$1.2MShares
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 3.64%, down 66 bps year over year.
  • Asset quality: problem loans at 1.88% of loans (-170 bps YoY).
  • Funding: loans stand at 39.23% of shares as of Q2 1997.

Financial Results

Return on Assets (quarter, annualized)

3.64%-66 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets4.31%4.29%3.81%3.89%3.64%-66 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)n/an/a-0.91%5.85%5.03%n/a
Loan Growth (YoY)n/an/a57.25%18.29%-4.29%n/a
Share Growth (YoY)n/an/a-4.14%3.71%3.31%n/a
Asset Quality
Delinquent Loans / Loans3.58%6.05%3.78%1.90%1.88%-170 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.06%2.99%2.26%2.41%2.78%-28 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 / Shares42.34%43.34%50.03%45.76%39.23%-312 bps
Liquid Assets / Assets61.92%61.75%56.52%56.18%63.67%+175 bps