Lebanon, PA · Charter 11859
Q2 2011
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 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.33% | -4.28% | -3.02% | -0.96% | -5.39% | -506 bps | |
| Return on Equity | -3.68% | -56.69% | -48.28% | -17.07% | -176.08% | -17,240 bps | |
| Net Interest Margin | 4.68% | 3.98% | 4.10% | 3.39% | 3.42% | -126 bps | |
| Efficiency Ratio | 99.53% | 190.35% | 143.51% | 105.84% | 218% | +11,809 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.41% | 7.39% | 0.95% | 10.51% | 10.08% | +68 bps | |
| Loan Growth (YoY) | 3.60% | 1.48% | -9.34% | -13.29% | -18.75% | -2,235 bps | |
| Share Growth (YoY) | 10.89% | 8.01% | 3.75% | 15.23% | 14.93% | +404 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.59% | 2.04% | 0.72% | 1.08% | 0.24% | -135 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.40% | 0.50% | 1.57% | 1.61% | 1.52% | +112 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.89% | 7.55% | 6.26% | 5.64% | 3.06% | -583 bps | |
| Net Worth / Assets | 8.89% | 7.55% | 6.26% | 5.64% | 3.06% | -583 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 86.70% | 82.27% | 72.50% | 65.34% | 61.30% | -2,540 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |