Erie, PA · Charter 12380
Q2 2003
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.05% | 0.29% | 0.17% | 0.43% | -0.28% | -33 bps | |
| Return on Equity | 0.36% | 2.05% | 1.17% | 3.00% | -1.99% | -235 bps | |
| Net Interest Margin | 5.12% | 5.61% | 5.06% | 5.74% | 4.61% | -51 bps | |
| Efficiency Ratio | 99.06% | 94.91% | 110.41% | 92.54% | 105.97% | +691 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.78% | 4.82% | -7.85% | -3.35% | -2.90% | -468 bps | |
| Loan Growth (YoY) | -20.65% | -16.54% | -10.12% | -18.53% | -7.71% | +1,294 bps | |
| Share Growth (YoY) | 1.79% | 4.14% | -9.23% | -3.04% | -3.43% | -523 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.34% | 3.98% | 3.98% | 0.10% | +10 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.97% | 1.96% | 0.81% | 0.87% | 0.51% | -146 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.52% | 13.99% | 14.62% | 14.40% | 13.93% | +40 bps | |
| Net Worth / Assets | 13.52% | 13.99% | 14.62% | 14.40% | 13.93% | +40 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 63.86% | 65.64% | 66.18% | 59.86% | 61.03% | -283 bps | |
| Liquid Assets / Assets | 43.58% | 42.00% | 41.86% | 46.58% | 45.74% | +215 bps | |